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Late Payment Fees:

Credit card offers ... Charging against your paycheck -- Payroll deduction credit cards let workers borrow future wages. More credit card stories

Adjusted Balance Previous Balance Monthly rate 1 1/2% 1 1/2% APR 18% 18% Previous Balance $400 $400 Payments $300 $300 Average Daily Balance N/A N/A Finance Charge $1.50 (1 1/2% x $100) $6.00 (1 1/2% x $400)

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One Time Fees:

Closing Date. The last day that transactions are posted on your account for that month.

Read that tiny type in your credit card agreement Folks who casually toss away those apparently extraneous papers that come with their credit card bill are probably throwing away money, too.

A lot of card companies have Web sites that let you do a lot of administration with digital ease. You can look at your statements, pay bills, talk to company problems solvers, download your information into your own computer and even download pre-prepared tax numbers.

Although VISA® and MasterCard® are by far the most popular and widely accepted credit cards worldwide, there are a number of alternatives available to consumers. These require a good amount of investigation before aquiring, however, because rates and terms vary widely depending on the type of charge card.

Think twice about any offer to get easy credit. Be skeptical of promises to erase bad credit or to secure major credit cards regardless of your past credit problems. There are no easy solutions to a poor credit rating that’s based on accurate information. Only time and good credit habits will restore your credit worthiness.

Citibank, MBNA America and Discover charge $15 late fees to late payers with balances less than $100.

Looking for a better credit card? Check rates in your area.

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1 Certain exclusions, restrictions and limitations apply. Details available when you become a cardmember. 2 See Terms and Conditions for details. 3 When you notify Bank of America promptly that your card has been lost or stolen.

Many consumers are unaware that every time they use their credit cards to withdraw cash, extra fees kick in: Cash advances carry an upfront fee of 2 percent to 4 percent of the amount advanced.

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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.

Amount Due. The minimum monthly payment you must make.

The Annual Fee:

Receive 1,000 bonus points after your first purchase Earn one point for every $1 in purchases, up to 75,000 points per year Get a 1.9% introductory annual percentage rate (APR) for six months on all purchases and balance transfers2 Points last up to five years The privileges of Platinum

Earn up to 11% back for every purchase you make - Stockback MasterCard from Chase no annual fee credit line up to $100,000 a 2.99% Intro APR platinum features - like extended warranty protection, car rental insurance and more at no extra cost

Do you own your own business? If so, you’ll likely need a business credit card and often you will need more than one. There are so many advantages to having business credit cards working for you and with today’s competitive market. It is best to shop around to get the best deal on business credit cards. In recent years most financial institutions began marketing a complete range of business credit cards featuring a wide variety of options. Some business credit cards offer low interest rates where other’s offer a Miridae of benefits such as insurance coverage for travel and cash advances. There are so many options available today whether you want to carry a balance on your business credit card or pay as you go today’s business credit cards make it simple to have the right business credit card tailor made to meet your needs.

The same principle applies to credit card late fees. In Smiley vs. Citibank in 1996, the Supreme Court gave national banks free rein on credit card fees as well.

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

Credit Report. This is record of your credit history usually use to help creditors judge your creditworthiness. It shows whether you pay your bills on time, how much debt you have, etc. Your report is compiled by credit bureaus and released to lenders and others. It is important to check your credit reports regularly to catch possible human errors and prevent credit frauds.