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Chase Platinum for Students No annual fee No interest on purchases for up to the first 6 months Access to low interest student loans and special student benefits Online account management

A counselor at a credit counseling agency will take all the information concerning your financial situation, evaluate it and decide the best strategy to use in solving your problem. You will be asked to abide by certain rules while receiving services. These rules may include closing charge accounts and canceling credit cards or paying your bills through the agency. It is to your advantage to abide by the rules as these agencies are perfectly safe. They are non-profit and will not ask you to pay for their services. Although the repayment period may be long, do not accept offers of credit while receiving services from these organizations since this will only delay the process and could possibly result in you being refused further services.

Paying a $15 fee when a $25 payment arrives late is still quite a slap, but it sure beats the standard late fee of $25 or $29.

There may also be a number of feature, benefits and perks that will come with your free credit card application offer. These will vary from offer to offer but the unique difference may be important to you in your decision.

While they sound like general-purpose credit cards, some gold or platinum cards permit you to buy merchandise only from specialized catalogues. Marketers of these credit cards often promise that by participating in their credit programs, you will be able to get major credit cards (such as an unsecured Visa or MasterCard), lines of credit from national specialty and department stores, better credit reports, and other financial benefits.

Discover® Platinum Card Apply for a special No-Annual-Fee Discover® Platinum Card with all of these privileges: 0% Intro APR*, No Annual Fee, Up to 2% Cashback Bonus® award*, 100% Fraud Protection, Up to $50,000 Credit Limit, and Online Account access and bill payment. * Click here to see important information about the APR, fees, and other Important Information

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.

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When you look at a credit report, the company that issues that report will apply visa credit card information gather about you and give a financial breakdown of you current rating. If you have had a free unsecured credit card before and have used it responsibly, then you should have a good record and should be able to be approved for another one without any problems.

Debit Card. A debit card deducts the amount of your purchase directly from your checking account.

In 1978, the Supreme Court ruled that a national bank could charge the highest interest rate allowed in their home state to customers living anywhere in the United States, including states with restrictive interest caps.

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If a marketer assures you that reliable information about you will be reported to credit bureaus, call the bureaus to confirm that the merchant is a member. Unless gold or platinum card merchants are subscribers to credit bureaus, they won’t be able to report information about your credit experience.

In Kids, Cash, Plastic and You, prepared for parents by MasterCard and the U.S. Office of Consumer Affairs, all it says about credit-card bills is that repayment can be made in installments, over many months or even years. Nowhere does it hint that you can (and should) pay every bill in full. A MasterCard spokesperson insists that, taken as a whole, the booklet gives people a full understanding of how interest works.

Cash Advance Charges:

When you review an agreement, focus on overall cost. Here are some features that should be scrutinized. Interest rates -- A super-low rate for six months will be advertised in bold, colorful print. But you have to put your glasses on to find out this teaser rate takes a hard vertical turn when the introductory period is over, or that the low rate applies only to balances you have transferred from other cards. Even a rate advertised as fixed can be increased.

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

Late payment Q. What happens when my credit card payment is late?

The above rules do not apply in so-called community property states. These are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas and Washington .

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