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

Here are some of the most disputed credit report items: outdated information, usually over seven years old inaccurate personal information credit information that belongs to somene else (This is quite common.) If a large number of credit inquiries appear in the file, request that the credit bureau merge multiple inquiries from the same source. This will help future credit ratings since an excessive number of inquiries is seen as derogatory.

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.

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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Converting your ATM card to a check card is fairly routine. Pick up a form from your local bank or call them up and have them mail you a form. The application form is simple, although you will be requested to provide your social security number. If you do not wish to divulge your SSN, you may substitute another identification number such as your drivers license number. If you do this, include a note of explanation with your completed application form. Using a check card involves a small period of float between the time of your transaction and the time when funds are deducted from your account. For this reason, some issuers will do a credit check before approving your card.

Debt collector horror stories -- Harassment, abuse and illegal tactics appear to be the norm for some debt collectors. PLUS: 10 ways to fight back against debt collectors

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4) There are some protections afforded to consumers who use check cards if your card is stolen. These are not as comprehensive as the laws which protect against credit card fraud. For more on these protections, see Lost or Stolen Credit Cards. In order not to be liable for more than $500.00 if your check card is stolen, you must notify the issuing bank within sixty days of being mailed information noting the fraudulent transaction. An example of such notification is your monthly bank statement.

How do I dispute a credit card purchase?

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.

ATM Card. A card used in an automated teller machine (ATM) which may access a credit or a debit account to complete banking inquiries and fund transfers between accounts.

Annual Fees. Some card issuers may charge you a yearly fee in addition to the interest that accumulates when you make purchases

How do cash advances from a credit card work?

Choosing a free credit card application for visa credit card When you go on the internet to try and find a free credit card application, you will most likely come across a multitude of various offers. Finding the right application for visa credit card all of a sudden become a difficult task. How are you supposed to know which one is the best one for you? Well, with free credit card offers from companies like American Express, Chase Bank, and Bank of America, you should have no problem, considering the reputation that they have. Pick a company and then browse their offer to see which application for visa credit card will best suit you.

Secured cards are indistinguishable from unsecured cards and are reported to the credit agencies as unsecured cards are. You can usually raise your credit limit by increasing the amount of your deposit. After you have kept up payments on your new credit card account for about two years, the issuing bank will often offer you an unsecured credit card account.

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.

Many parents are concerned whether they should co-sign their children on their credit card account. Parents are afraid that their children will go on spending sprees. But they no longer have to be wary about this problem. There is an alternative to credit cards called the debit card.

Minimum Payment. The minimum amount you are required to pay the credit card issuer each month.

Travel and Entertainment Cards: T&E cards includeDiners Club® and American Express®. They differ from regular credit cards in that they require that customers pay their outstanding balances each month. They also tend to have high annual fees and to be accepted in far fewer places than credit cards from VISA, MasterCard and Discover. Because of their exclusivity, however, T&E cardholders usually obtain special benefits and incentives from card issuers. Holders may accrue points through airline travel, hotel stays and other business and entertainment expenses which are converted into cash or discounts. One advantage of such cards is the absence of a set spending limit. As long as a customer does not attempt charges which are clearly unpayable, there is no problem since the issuing company knows the amount will be repaid over the next payment cycle. Part of the appeal of these cards is the vanity factor which comes with the prestige of owning them. At the other end of the scale, gas cards are a form of Travel and Entertainment cards and are much easier to obtain.

Gold or Platinum These are usually for the higher earners, offering higher credit limits and other benefits. They are sometimes thought of as a status symbol.

Affinity Card. A credit card endorsed by groups such as colleges, sports teams, professional organizations, or special interest groups that are offered to their alumni, fans or members.