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Charge Card. One major difference between credit card and charge card is that charge card must be paid in full every month. An example of a charge card is American Express card.

Such gold and platinum credit-card offers usually are promoted through television or newspaper advertisements, direct mail, or telephone solicitations using automatic dialing machines and recorded messages. People with low incomes often are the target of these sales pitches.

Credit Bureau. A credit bureau keeps a record of your credit history for any card or loan issuer to review when considering your application for credit. The three major credit reporting agencies in the United States are Equifax, Experian (formerly TRW) and Trans Union.

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

Previous Balance. This is the amount you owed at the end of the previous billing period. Payments, credits and new purchases during the current billing period are not included. Some creditors also exclude unpaid finance charges.

Even with joint accounts, one person is considered to be the primary account holder. The account will stay open as long as there is a balance on the account.

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Adjusted Balance Previous Balance Monthly rate 1 1/2% 1 1/2% APR 18% 18% Previous Balance $400 $400 Payments $300 $300 Average Daily Balance N/A N/A Finance Charge $1.50 (1 1/2% x $100) $6.00 (1 1/2% x $400)

How do I cancel a credit card?

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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.

To help avoid finance charges, follow the issuer’s mailing instructions. Payments sent to the wrong address could delay crediting your account for up to five days. If you misplace your payment envelope, look for the payment address on your billing statement or call the issuer.

Choice of four card designs Acceptance at more than 24 million locations worldwide Cash access at more than 380,000 ATMs Total Security Protection™ package Zero Liability from unauthorized use of your card3 Auto rental insurance against collision or damage1 Travel accident insurance coverage up to $500,0001 Emergency medical and travel services1 Additional cards at no extra charge

Late Payment Fees:

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

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Prime Rate. This rate is what banks charge their best commercial customers for loans.

The Difference Between Secured and Unsecured Credit Cards.

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A good place to start: Go to our credit card search page and choose online cards from the top pull-down menu.

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Read that tiny type in your credit card agreement Folks who casually toss away those apparently extraneous papers that come with their credit card bill are probably throwing away money, too.