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To hang on to the credit card business, many other states loosened state usury limits.

A good place to start: Go to our credit card search page and choose online cards from the top pull-down menu.

Misrepresent prices and payments for merchandise. You’re not allowed to charge the total amount when you buy merchandise from gold or platinum card catalogues. Instead, you often must pay a cash deposit on each item you charge—an amount usually equal to what the company paid for the product. Only after you pay your deposit can you charge the balance. Also, catalogue prices can be much higher than discount store prices.

Because most major credit card companies are based in states with liberal or no usury laws, the sky is pretty much the limit with interest rates and late fees.

Credit Counseling. Advice given by professional counselors to people about how to use credit responsibly and how to get out of serious debt.

You can cut interest and pay off your balance quicker just by freezing your minimum payment. If your current minimum payment is $150, then commit yourself to paying $150 or more each month until your card is paid off. Your card company will drop your minimum payment requirement as you chip away your balance. Ignore it. Stick with your frozen minimum payment and watch your debt melt away.

Definitions • Credit card terms How do I ...? • Find a better credit card? Calculate • Get a personalized credit-health assessment • Calculate the real cost of your debt • What will it take to pay off your credit card? • The true cost of paying the minimum More

Balance. The amount of money you owe the card issuer, and includes purchases, fees, interest and transaction charges.

Introductory APR. A temporary interest rate (expressed as a yearly rate) offered by card issuers to introduce you to their services. It will usually go up after a certain amount of time (usually 6 months).

One of the first things the issuer will do is pull a copy of your credit report. Issuers take a close look at your credit history to determine whether to take the risk of giving you a credit line.

Continue to make timely payments on all your bills. To build a credit history, you need credit in your own name. After reviewing your credit report, you should apply for one credit card.

The Annual Fee:

Get the Gold Delta SkyMiles(r) Credit Card

Here are some suggestions for maintaining good credit after the credit repair period is over: Live within your means. Do not return to the bad financial habits that resulted in credit problems the first time. Create a budget. Know where all your money is going. Small purchases can add up and make it difficult to meet important obligations. Keep records of all money spent for one month. This detailed record will show where spending cuts need to be made. It will also alert you to any spending problems. Plan for financial emergencies by depositing a fixed amount of income to a special emergency account. Do this as if paying another monthly bill. This money will insure that emergencies such as illness or loss of job do not catch you totally unprepared. Try to accumulate enough in the fund to pay bills for at least six months. Finally, make a conscious effort to be money smart. This will be a lifelong task but will eliminate the chance of falling back into the bad credit trap of the past.

Cash Advance Charges:

How do credit card companies figure the minimum monthly payment?

Choice of four card designs Acceptance at more than 24 million locations worldwide Cash access at more than 380,000 ATMs Total Security Protection™ package Zero Liability from unauthorized use of your card3 Auto rental insurance against collision or damage1 Travel accident insurance coverage up to $500,0001 Emergency medical and travel services1 Additional cards at no extra charge

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Investigate an offer before enrolling. Contact your local Better Business Bureau, consumer protection agency, or state Attorney General’s office to see if any complaints have been filed against a particular promoter of gold or platinum cards.

What is a good first credit card?