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To minimize your liability, report the loss as soon as possible. Some issuers have 24-hour toll-free telephone numbers to accept emergency information. It’s a good idea to follow-up with a letter to the issuer — include your account number, the date you noticed your card missing, and the date you reported the loss.

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1See Terms and Conditions. 2Online Banking is only available in certain states. 3Certain exclusions, restrictions and limitations apply. Details available when you become a cardmember. Bank of America® Visa® Platinum 8.9% Fixed APR for Balance Transfers

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

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FAQ about credit cards

One drawback with prepaid reloadable cards, as opposed to a secured credit cards, is that they do not allow the user to establish a credit history. They are -in effect- reloadable debit cards. But for an initial card to introduce youngsters to the ways of plastic, it has its uses. Note that although these cards are sometimes marketed to consumers with poor credit history who are unable to obtain unsecured cards, their utility in this regard is limited. They can offer short-term convenience in cases where plastic is required -such as for a car rental- but for those looking to re-establish their credit, they offer nothing that a secured credit card would not. Indeed, this latter alternative is still the best option for subprime consumers attempting to re-establish their credit worthiness.

But before you do, understand fully what each little online offer means. An online credit card bill payment may actually take longer, or cost more, than a snail mail payment for example.

Laws capping interest rates Q. Are there laws capping credit card interest rates?

So you may be asking yourself, how do I apply for credit card accounts? The process is actual quite simple. You are usually required to fill out a simple form that requires some information about you and your finances and then the company will look at this information to come to a decision. Many of the free visa card offers will approve you no matter what kind of credit history you have. All of this is done online which saves you a bundle of time.

Billing Cycle. The length of time between billing statements. A billing cycle is typically 30 days.

How to deal with a debt collector -- The law restricts how much they can harass you. PLUS: When the collection agency is wrong Why college students might need a credit card -- Not having a credit history can make post-college life more complicated and more expensive

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Earn up to 11% back for every purchase you make - Stockback MasterCard from Chase no annual fee credit line up to $100,000 a 2.99% Intro APR platinum features - like extended warranty protection, car rental insurance and more at no extra cost

Obligations of Creditors: The Equal Credit Opportunity Act means the following:

The same principle applies to credit card late fees. In Smiley vs. Citibank in 1996, the Supreme Court gave national banks free rein on credit card fees as well.

A counselor at a credit counseling agency will take all the information concerning your financial situation, evaluate it and decide the best strategy to use in solving your problem. You will be asked to abide by certain rules while receiving services. These rules may include closing charge accounts and canceling credit cards or paying your bills through the agency. It is to your advantage to abide by the rules as these agencies are perfectly safe. They are non-profit and will not ask you to pay for their services. Although the repayment period may be long, do not accept offers of credit while receiving services from these organizations since this will only delay the process and could possibly result in you being refused further services.