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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.

Although VISA® and MasterCard® are by far the most popular and widely accepted credit cards worldwide, there are a number of alternatives available to consumers. These require a good amount of investigation before aquiring, however, because rates and terms vary widely depending on the type of charge card.

Do a little comparison-shopping and you might find a card with the same rate for at least a year or another card with the same deal but no annual fee.

Buried deep among the colorful fliers advertising executive planners and calculators is information that may be more important to your bottom line than the Amount Due box. The clue to finding it? Look for the small print.

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.

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.

You can definitely save money because if you find the terms are not favorable you can shop around for a better deal, says Detweiler. Check the Bankrate credit card rate tables to find the best credit card for your financial situation.

And you can always send a bigger payment later on when you have more cash.

Previous Balance. This is the amount you owed at the end of the previous billing period.

Identity theft ... Protecting yourself from credit card hackers -- Hackers recently hit millions of credit card accounts. Do you know what to do if your card info is stolen?

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.

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Cash Advance Charges:

Late Payment Fees:

Customers who carry their cards overseas need to watch out for add-ons of up to 3 percent on foreign purchases.

If you are currently searching for a credit card application, why not search online where you will come across many easy to get credit cards. There are a wide variety of companies that offer a credit card application to suit every individuals needs. You will be able to compare the easy to get credit cards available with the various other financial institutions.

Convenience Checks. These come from credit-card issuers. You use these checks to pay off the debt you have on other cards, which transfers your debt to the card that gave you the check. The typical inducement? A special low rate. But that rate may last only a few months. If you pay late or exceed your spending limit, some cards are imposing interest-rate penalties as high as 24.9 percent, says Ruth Susswein, executive director of Bankcard Holders of America. Check the fine print before accepting any low-rate offer.

How do cash advances from a credit card work?

I think it’s a big thing to learn how to save money using different kinds of credit cards and in turn using THEM to make money for you. I put everything on credit cards that give me rebates. Although, some credit card companies charge annual fees in place of the rebates so you have to be careful. Great Credit cards to obtain if you pay them off each month include the Citgo Visa Preferred Card and the Freedom Card from Chase, it actually gives you 1% back, unlike Discover that waits a year and you’re lucky to get a FULL 1% back! The Freedom Card gives you 3% back on gas purchases and 1% back in rebates. Just remember to pay these higher interest rewards cards off each month, It will teach you to pay bills and earn money.

Cash Advance. You can use your card at a bank or an automatic teller machine to get a cash loan. The interest rate for a cash advance is typically higher than it is for purchases, and there is usually no grace period. There can also be a handling fee for withdrawing cash in addition to the interest charges, which can raise the cost significantly.

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.

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