credit card acceptance, MI Michigan

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Normal Interest Rate Once the introductory period is over you will revert to their usual interest rate. The Annual Percentage Rate (or APR) can vary enormously so make sure you check this.

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

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

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

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Investigate an offer before enrolling. Contact your local Better Business Bureau, consumer protection agency, or state Attorney General’s office to see if any complaints have been filed against a particular promoter of gold or platinum cards.

Credit card sales scams

Co-signer. A parent or any person over 18 years old who agrees to share credit responsibilities and pay debts.

What type of credit card? There are various types of credit card, other than standard cards, that you may want to choose between.

If you choose to maintain joint accounts with your husband, realize that there is still a separate credit history for you as far as the credit bureaus are concerned, and you need to make sure that the payment history of the joint accounts are reported to the three main credit bureaus. If in doubt, order a copy of your credit report from all three credit reporting agencies to verify. You will find their addresses listed on our Credit Bureaus page.

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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.

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.

If you’re looking for credit, be wary of some gold or platinum card offers promising to get you credit cards or improve your credit rating.

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Low Interest Credit Cards with Introductory Rates as Low as 0%

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

Additional benefits Travel and emergency assistance $5,000 minimum credit line Automatic travel accident insurance up to $500,0003 Automatic auto rental insurance3 Extended warranty protection3 Worldwide acceptance and cash access at more than 24 million locations Convenience checks at no extra charge to access your account where credit cards are not accepted Additional cards at no extra charge

Here are some suggestions for maintaining good credit after the credit repair period is over: Live within your means. Do not return to the bad financial habits that resulted in credit problems the first time. Create a budget. Know where all your money is going. Small purchases can add up and make it difficult to meet important obligations. Keep records of all money spent for one month. This detailed record will show where spending cuts need to be made. It will also alert you to any spending problems. Plan for financial emergencies by depositing a fixed amount of income to a special emergency account. Do this as if paying another monthly bill. This money will insure that emergencies such as illness or loss of job do not catch you totally unprepared. Try to accumulate enough in the fund to pay bills for at least six months. Finally, make a conscious effort to be money smart. This will be a lifelong task but will eliminate the chance of falling back into the bad credit trap of the past.

Before signing up for the first low-rate offer that comes your way, shop around. Maybe that great rate only lasts six months or the annual fee eats up any savings you could enjoy from the low introductory rate.

Shopping Tips Keep these tips in mind when looking for a credit or charge card. Shop around for the plan that best fits your needs. Make sure you understand a plan’s terms before you accept the card. Pay bills promptly to keep finance and other charges to a minimum. Hold on to receipts to reconcile charges when your bill arrives. Protect your cards and account numbers to prevent unauthorized use. Draw a line through blank spaces on charge slips so the amount can’t be changed. Tear up carbons. Keep a record — in a safe place separate from your cards — of your account numbers, expiration dates and the phone numbers of each issuer to report a loss quickly. Carry only the cards you think you’ll use.