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Finance Charges: The term sounds confusing, but this is actually the most obvious of the charges on a credit card account. It is the interest charge on your account balance based on the fixed annual rate.

If you don’t understand how your balance is calculated, ask your card issuer. An explanation must also appear on your billing statements.

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Always keep credit information current by obtaining copies of credit records at least once yearly after resolving problems. This will also act as an alert to any credit fraud that may be occuring.

Late Payment Fees:

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Prepaid credit cards have appeared on the scene as another alternative to normal credit cards. They are alternative fundamentally in that they are not unsecured credit cards. They are therefore not an unsecured loan in the manner that regular cards are. They are actually a kind of debit card. However, they are gaining popularity in particular niches because they are often marketed towards high-school and college students as a way to introduce them to management of credit cards. Prepaid credit cards are of different types. A popular kind is a variant of prepaid phonecards. They are bought with fixed amounts of credit attached: $25.00, $50.00, $100.00, etc. Cards of lower credit value usually come with relatively higher prices than those of higher value. There are a number of ways to pay for these cards, with credit card payments being the most popular. This type of card is common as a gift card and they often include added features such as bonus points for purchases. This means that some companies have arrangements with merchants so that points are offered only for purchases at particular establishments.

The price of changing limits You might even incur a fee for a jump in your credit limit.

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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.

The card issuer also must disclose the periodic rate — the rate applied to your outstanding balance to figure the finance charge for each billing period.

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If you applied for a loan and were turned down, you are entitled to a free copy of your credit report, but you must request a copy by writing the correct credit bureau within 30 days of the rejection. With your request, you should include a copy of the declined loan application.

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

One thing you may want to know is whether you are looking for an unsecured free credit card application or a secured one. A secured card allows you to pre-pay an amount on your card and then make purchases on that balance. An unsecured card allows you to spend additional funds and then carry a balance. There may also be other things you may want to know before you fill out an application for visa credit card.

Interest. A charge for borrowed money, generally a percentage of the amount owed.

After incorrect information has been removed, repeat the process with each credit bureau that carries the inaccurate information. This is necessary since the credit bureaus operate independently and changing records with one will have no bearing on the files at another bureau.

You may use either your married name or your maiden name or both when applying for credit.

Have you run into some tough financial times in the past and have been rejected from credit card issuers? If so, secured credit cards are for you. Secured credit cards require a security deposit as a guarantee of payment for the financial institution. Applying for a secured credit card may be your only credit option if you have a less than perfect credit rating. If your goal is to repair your credit, secured credit cards are a great starting point. Check out the fine print to make sure the credit card that you are applying for reports to the credit bureaus to ensure that you will be improving your credit rating.

Be sure you are aware of your payment profile because the way you plan to pay your bills is important when it comes to choosing a card. Paying every cent every month (instead of paying just a part of it) changes what you are shopping for.

Variable APR. Variable APR (expressed in yearly terms) fluctuates based on an index such as the Prime Rate or LIBOR.

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