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What is the grace period before interest is applied? How will you inform me of any changes in my contract?

Always be on the lookout for a better card deal. Study the offers that come in your mailbox. Search online. The Bankrate.com credit card search engine can help you locate the best deals from issuers from around the country.

Understand key numbers before you sign: What is the APR, annual fee, grace period, penalties, late payment charges, over-the-limit fees, and interest rates on any cash advances, and under what circumstances the card company can change your interest rate (or any other terms of the deal)?

The best bet for consumers is to pay credit card bills on time every month. These tips will show you how.

How to deal with a debt collector -- The law restricts how much they can harass you. PLUS: When the collection agency is wrong Why college students might need a credit card -- Not having a credit history can make post-college life more complicated and more expensive

Late Payment Fees:

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Daily Periodic Rate. your annual interest rate expressed on a daily basis. It equals 1/365th of your annual percentage rate.

Finance Charge. Interest, transaction fees and service fees.

Additional benefits Travel and emergency assistance $5,000 minimum credit line Automatic travel accident insurance up to $500,0003 Automatic auto rental insurance3 Extended warranty protection3 Worldwide acceptance and cash access at more than 24 million locations Convenience checks at no extra charge to access your account where credit cards are not accepted Additional cards at no extra charge

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Converting your ATM card to a check card is fairly routine. Pick up a form from your local bank or call them up and have them mail you a form. The application form is simple, although you will be requested to provide your social security number. If you do not wish to divulge your SSN, you may substitute another identification number such as your drivers license number. If you do this, include a note of explanation with your completed application form. Using a check card involves a small period of float between the time of your transaction and the time when funds are deducted from your account. For this reason, some issuers will do a credit check before approving your card.

Is there an introductory rate, what is it and how long does it last? After that, what will my rate be?

Rarely, however, can you improve your credit rating or get major credit cards by buying gold or platinum credit cards. Often the only major credit card you might get is a secured credit card that requires a substantial security deposit with a bank. In addition, many of these credit-card issuers do not report to credit bureaus as they promise, and their cards seldom help to secure lines of credit with other creditors.

Minimum monthly payment Q. How do credit card companies figure the minimum monthly payment?

Be cautious about calling ‘900’ or ‘976’ telephone numbers. Calls to numbers with ‘900’ or ‘976’ prefixes cost money. Don’t confuse these exchanges with toll-free ‘800’ or ‘888’ numbers. If you dial a pay-per-call number mistakenly, contact your local phone company immediately. They may be able to remove the charge from your bill.

Charge Cards These provide an account against which you make withdrawls. They are expected to be paid off in full each month, otherwise there can be substantial charges. Examples of charge chards are Diners Club and American Express.

I called them about the credit card companies wanting to give me lower interest- and asked what I could do without going elsewhere and having more Credit Card inquiries on my report. They said that since I made all my payments on time and am in good standing with their Bank they would lower my rate and decrease my monthly minimum payments. It was that simple. I am now saving just for making a simple phone call. I tell my friends its the simple things you do to get your bills lowered.

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Store Cards These are credit cards offered by shops, such as Marks and Spenser. These are usually not as competative as other cards available and so are not generally recommended.

If you decide to dispute a charge: Write to the creditor at the address indicated on your statement for billing inquiries. Include your name, address, account number, and a description of the error. Send your letter soon. It must reach the creditor within 60 days after the first bill containing the error was mailed to you. The creditor must acknowledge your complaint in writing within 30 days of receipt, unless the problem has been resolved. At the latest, the dispute must be resolved within two billing cycles, but not more than 90 days.

Platinum Universal Pre-paid MasterCard® Apply for the Platinum Universal Stored Value MasterCard®. 100% Guaranteed approval, no credit checks and no interest charges

Like I was saying, when you fill out an application and send it off, the company will look at your personal information and then make a decision based on a number of factors. Until recently, only people with good to excellent credit ratings would get approved. But would if you are just starting out and have never had one of these cards? Well now you can get a free credit card online from not just one company but many different companies. When you apply for a credit card, you will most likely be approved and the decision is almost instantaneous.

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Cash Withdrawls The interest rates charged for cash withdrawls can be high with some creditcards, so ensure you check this if you intend to use your credit card to withdraw cash.

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Advanta Platinum Business MasterCard (r) - Apply Online Put your business name where it counts. With the Advanta Platinum Business MasterCard (r) you receive 0% intro APR* on balance transfers, up to $100,000 credit limit and no fees. You also receive a customized card with your business name plus all the advantages of online account management as well as world wide acceptance of MasterCard(r).