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Bank of America® Visa® Platinum 8.9% Fixed APR for Balance Transfers

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

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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.

This method gives you until the end of the billing cycle to pay a portion of your balance to avoid the interest charges on that amount. Some creditors exclude prior, unpaid finance charges from the previous balance.

Cardholder Protections Federal law protects your use of credit cards.

They have a higher interest rate than regular card charges. They carry no grace period; interest charges begin to mount as soon as the money spits out of the ATM. Many issuers also require you to pay down the balances for purchases before you pay down the higher-interest cash advance balance.

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Due Date. The day a payment is due to a creditor.

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And you can always send a bigger payment later on when you have more cash.

1) For consumers with poor credit histories who are unable to obtain credit cards, they are an option. However, in such cases, secured credit cards are an even better option. However, the credit limit on a secured credit card is some percentage of a savings account which you would have to open at the issuing bank. If you do not wish to open such a savings account for any reason, you may opt for a debit card instead.

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

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.

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.

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Business Card (Business Credit Card). These credit cards are generally issued to corporate executives or business owners so that they can keep business expenses separate from personal charges more easily.

Credit Card. Unlike charge cards, credit cards allow you to revolve your charges. A credit card allows you to make partial payments for purchases, but charges interest on the amount owed. You can also pay your balance off in full to avoid interest payments. Banks and other card issuers set interest rates and fees. To protect your credit rating, be sure to pay at least the minimum amount due by the payment due date.

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Transaction Fees:

Is there an annual fee? Is there a late fee? Is there an over-the-limit fee?

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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)?

Carefully read the description of the billing method the card company is using. Look for references that say you are being charged interest on a purchase made during a previous billing cycle. That interest has been accruing since the item was posted to your account.

One Time Fees:

Cost of cash advances Q. How do cash advances from a credit card work?

What should I do if someone opens a credit card in my name?