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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)

If a marketer promises that a card is accepted at certain retail chains, verify it with the stores.

I called them about the credit card companies wanting to give me lower interest- and asked what I could do without going elsewhere and having more Credit Card inquiries on my report. They said that since I made all my payments on time and am in good standing with their Bank they would lower my rate and decrease my monthly minimum payments. It was that simple. I am now saving just for making a simple phone call. I tell my friends its the simple things you do to get your bills lowered.

Interest starts mounting the second you make the transaction and you will be required to pay off lower-interest balances first. Merger madness -- In the last couple of years, more than 20 million Americans held credit cards that were taken over by new issuers. Customers have to be on guard for changes in terms, usually less favorable to them, if their card company is bought. Each company prices accounts differently. Most issuers take six months to a year to evaluate their new customer base after a merger, but watch out: With federal regulations requiring only 15 days notice on term changes, you may get the rug pulled out from under you in a hurry.

Over The Limit Fees: Most consumers who carry high credit balances do not pay their balances in full each month. This means that they are paying high credit card interest rates. When these interest charges accrue at compound rates, it is not that difficult to find oneself suddenly over their credit limit. Over the limit fees are steep, often as much as $25.00. If the over-limit status is carried on over different billing cycles, limit fees can be charged for each month.

One of the first things the issuer will do is pull a copy of your credit report. Issuers take a close look at your credit history to determine whether to take the risk of giving you a credit line.

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.

You can request a copy from each of the three major national credit bureaus: Equifax, Experian and TransUnion. Checking your credit can cost you as much as $9 per report, although it differs from state to state.

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

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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.

Charge Cards These provide an account against which you make withdrawls. They are expected to be paid off in full each month, otherwise there can be substantial charges. Examples of charge chards are Diners Club and American Express.

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.

Check out our other credit card basics story and these questions will be seen in context. Find out: Is there an introductory rate, what is it and how long does it last? After that, what will my rate be? Is there an application fee? Are there processing fees? Is there an annual fee? Is there a late fee? Is there an over-the-limit fee? Are there any other fees, like account termination fees or balance transfer fees? When and how can a variable rate be changed? When and how can a fixed rate be changed? What is the grace period before interest is applied? How will you inform me of any changes in my contract? Will the company inform me if I am about to go over my limit? If I go over my limit, what happens? What is the company policy if I have trouble paying my bill? Related Stories: 10 questions to ask before getting a secured credit card Read that tiny type in your credit card agreement Step slowly onto the balance-transfer bandwagon

Balance Computation Method for the Finance Charge. If you don’t have a free period, or if you expect to pay for purchases over time, it’s important to know what method the issuer uses to calculate your finance charge. This can make a big difference in how much of a finance charge you’ll pay — even if the APR and your buying patterns remain relatively constant. See page 10 for examples of how the methods can affect your costs.

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.

Advanta Platinum Business MasterCard (r) - Apply Online Put your business name where it counts. With the Advanta Platinum Business MasterCard (r) you receive 0% intro APR* on balance transfers, up to $100,000 credit limit and no fees. You also receive a customized card with your business name plus all the advantages of online account management as well as world wide acceptance of MasterCard(r).

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.

What should I do if someone opens a credit card in my name?

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Store Cards These are credit cards offered by shops, such as Marks and Spenser. These are usually not as competative as other cards available and so are not generally recommended.

If a marketer assures you that reliable information about you will be reported to credit bureaus, call the bureaus to confirm that the merchant is a member. Unless gold or platinum card merchants are subscribers to credit bureaus, they won’t be able to report information about your credit experience.