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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

In a number of specific circumstances in many countries, travelers will find their credit cards indispensable when traveling overseas. However, a degree of caution and some dilligence in doing ones homework is in order before ever taking the trip. The major advantage of using credit cards overseas is protection from fraud. The Fair Credit Billing Act not only protects you from having to pay for bad merchandise inside the United States, it protects you when you make these purchases overseas as well. The condition is that the issuing bank must be a U.S. bank and you must be a permanent resident of the United States. This is one of the reasons why many credit card companies and their issuing banks will not issue cards to customers outside this country. American Express is an exception. Of critical importance here is proper maintaining of written records and documents. When buyong expensive items overseas such as jewelry and gifts, one should obtain a precise description of the intended purchase either in handwritten form from the merchant or clearly on the transaction slip. This will be of great value in case you wish to obtain a chargeback for fraud.

Amount Due. The minimum monthly payment you must make.

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If you are one of the few people that pay their credit card balance in full each month credit card rewards are perfect for you. Since you are paying your balance in full, a low interest credit card does not benefit you. Credit card issuers have credit card rewards programs designed specifically to attract the business of individuals who manage to pay off their balances every month. Reward credit cards can be further categorized into the benefits they offer. Some offer airline miles, cash back or other discounts on merchandise. If you are having difficulty choosing which credit card rewards best suit you, take a moment to think about your lifestyle. If you are like me and have young children, a rewards credit card offering cash back is the best choice. Those who do not have children may be more inclined to travel and airline miles may be best for you. No matter what your life situation, you will find a wide selection of reward credit cards to best fill your unique needs.

Secured Credit Card. A consumer uses savings or cash deposit to guarantee the credit card or loan; the limit of credit is based on the amount of deposit available.

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

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.

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Help in Choosing Which are the Best Credit Cards

If you were to pick one key rule to follow when shopping for credit cards, that rule would be: Think credit first.

Paying only the minimum will cost you an exorbitant amount of money in interest and take forever to pay off. For example, if your credit card has a $5000 balance with 15 percent interest rate, it will take you 21 years and five months to be rid of your debt if you only pay the minimum. In that time, you will pay $4,757.98 in interest.

To help avoid finance charges, follow the issuer’s mailing instructions. Payments sent to the wrong address could delay crediting your account for up to five days. If you misplace your payment envelope, look for the payment address on your billing statement or call the issuer.

Credit Line. Same as credit limit.

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

Special Delinquency Rates. Some cards with low rates for on-time payments apply a very high APR if you are late a certain number of times in any specified time period. These rates sometimes exceed 20 percent. Information about delinquency rates should be disclosed to you in credit card applications or in solicitations that do not require an application.

Other Costs and Features Credit terms vary among issuers. When shopping for a card, think about how you plan to use it. If you expect to pay your bills in full each month, the annual fee and other charges may be more important than the periodic rate and the APR, if there is a grace period for purchases. However, if you use the cash advance feature, many cards do not permit a grace period for the amounts due — even if they have a grace period for purchases. So, it may still be wise to consider the APR and balance computation method. Also, if you plan to pay for purchases over time, the APR and the balance computation method are definitely major considerations.

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.

The only person who can insure that you get a good card rate is you. The best advice is to build a strong payment history and keep your credit as clean as possible.

3) A Debit card forces you to limit your spending and avoid credit card debt. This prevents you from falling into the typical credit card trap of only making your minimum monthly payments and thus having to pay huge interest on outstanding balances which can put you in a financial hole.

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Billing Cycle. The length of time between billing statements. A billing cycle is typically 30 days.

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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Will the company inform me if I am about to go over my limit? If I go over my limit, what happens? What is the company policy if I have trouble paying my bill?

Credit Cards are Better than Debit Cards), the fundamental advantage of credit cards over debit cards has been noted. We provide here, some more notes on the nature of these cards and how to use them more prudently and at lower risk. Some debit cards are now also known as check cards and are distinct from Automatic Teller Machine (ATM) cards. They are similar in that they both take money from your bank account to pay for your purchase. However, an ATM card can only be used to withdraw money or pay for purchases at a limited number of locations. These include your bank, ATM machines and a number of establishments -primarily supermarkets and larger stores- which are now set up to accept these. There is almost always a charge for using an ATM card outside your bank. Some banks now even restrict the number of ATM transactions you can make each month without incurring service charges. A welcome new addition to the proliferation of ATM machines is the ETrade ATM. You can withdraw money from an ETrade machine without incurring a transaction fee.

After obtaining a credit file and starting the dispute process, evaluate your financial situation. If you find that you are unable to make at least the minimum payment on outstnading accounts, immediatley contact creditors. Many will appreciate your willingness to pay and will attempt to help set up plans for payument. Do not make promises which cannot be kept. A small payment is preferable to a large payment that never arrives. Sometimes this contact can be enough to reduce payments and forestall more severe measures. If not, a more serious step must be taken.