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Soon you will be enjoying all the many benefits that your free credit card online will provide for you. You will gain much financial freedom because you will have funds available anytime they are need. So go ahead and take a look at the offers listed on this site and apply for a credit card when you find one you like.

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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.

You can cut interest and pay off your balance quicker just by freezing your minimum payment. If your current minimum payment is $150, then commit yourself to paying $150 or more each month until your card is paid off. Your card company will drop your minimum payment requirement as you chip away your balance. Ignore it. Stick with your frozen minimum payment and watch your debt melt away.

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.

You Deserve the Benefits of Credit Card Rewards

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Like I was saying, when you fill out an application and send it off, the company will look at your personal information and then make a decision based on a number of factors. Until recently, only people with good to excellent credit ratings would get approved. But would if you are just starting out and have never had one of these cards? Well now you can get a free credit card online from not just one company but many different companies. When you apply for a credit card, you will most likely be approved and the decision is almost instantaneous.

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

What is a good first credit card?

Cash advances -- Most people think of a cash advance as being a withdrawal against a card from the ATM. But these things don a couple of disguises. The checks that sometimes come attached to your monthly statement are cash advances, as are some balance transfers. Cash advances carry weighty costs. Card companies typically charge a fee of 2 to 4 percent of the amount advanced and impose a higher interest rate than they do on regular charges.

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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.

Two-cycle Balances. Issuers sometimes use various methods to calculate your balance. This is just another computation method that credit card issuers use to calculate account balance. This balance is calculated by taking the sum of the average daily balances for two billing cycles. The first balance is for the current billing cycle and the second balance is for the previous billing cycle.

Unauthorized Charges. If your card is used without your permission, you can be held responsible for up to $50 per card.

Free Period. Also called a grace period, a free period lets you avoid finance charges by paying your balance in full before the due date. Knowing whether a card gives you a free period is especially important if you plan to pay your account in full each month. Without a free period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. If your card includes a free period, the issuer must mail your bill at least 14 days before the due date so you’ll have enough time to pay.

Some credit card plans allow the issuer to change your APR when interest rates or other economic indicators — called indexes — change. Because the rate change is linked to the index’s performance, these plans are called variable rate programs. Rate changes raise or lower the finance charge on your account. If you’re considering a variable rate card, the issuer must also provide various information that discloses to you: that the rate may change; and how the rate is determined — which index is used and what additional amount, the margin, is added to determine your new rate. At the latest, you also must receive information, before you become obligated on the account, about any limitations on how much and how often your rate may change.

In Marquette vs. First Omaha Service Corp., the Supreme Court ruled that a national bank could charge the highest interest rate allowed in their home state to customers living anywhere in the United States, including states with restrictive interest caps.

Annual Percentage Rate. The APR is a measure of the cost of credit, expressed as a yearly rate. It also must be disclosed before you become obligated on the account and on your account statements.

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.

Credit cards can come in handy in a pinch, but can end up squeezing you dry. Finding the best rates and reading the fine print will save you from falling into a black hole of debt. Here are our most frequently asked questions about credit cards with answers from the team of experts.