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Cash advances are a great convenince to the consumer, but they come at a heavy price which can be deceptive. Not only is there a charge for the transaction of up to 3% of the amount of the advance, but interest charges may also be tagged on at rates of 20% per annum or higher. As a general rule, credit cards should not be used for cash advances except in cases of emergency.

Making Money off your own Credit Cards

Cash Withdrawls The interest rates charged for cash withdrawls can be high with some creditcards, so ensure you check this if you intend to use your credit card to withdraw cash.

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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.

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For Help and Information Questions about a particular issuer should be sent to the agency with jurisdiction. National Banks Comptroller of the Currency Compliance Management, Mail Stop 7-5 Washington, DC 20219 State Member Banks of the Reserve System Consumer and Community Affairs Federal Reserve Board 20th & C Streets, NW Washington, DC 20551 Federal Credit Unions National Credit Union Administration 1776 G Street, NW Washington, DC 20456 Non-Member Federally Insured Banks Office of Consumer Programs Federal Deposit Insurance Corporation 550 Seventeenth Street, NW Washington, DC 20429 Federally Insured Savings and Loans, and Federally Chartered State Banks Consumer Affairs Program Office of Thrift Supervision 1700 G Street, NW Washington, DC 20552

Your credit card also gives you access to help by phone via local card agencies. The numbers you are used to calling in the U.S. will not be your best option because they are not toll-free outside the county. But the major credit card companies have local agencies in most countries and you should be able to find numbers for these with a little effort.

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There are a number of potential problems regarding credit and credit reports which women, in paticular must be aware of. These result primarily from possible changes in marital status such as divorce or widowhood and from possible discrimination against women in the granting of credit. The US Congress passed the Equal Credit Opportunity Act in 1974 to protect citizens against discrimination based on gender, age, color, religion and national origin. But although this makes it difficult for companies to overtly discriminate against women in the granting of credit, more subtle forms of discrimination occur. Additionally, women need to ensure that their credit histories are kept updated whenever their names or accounts with particular creditors are altered due to changes in their marital status.

The Difference Between Secured and Unsecured Credit Cards.

Understand key numbers before you sign: What is the APR, annual fee, grace period, penalties, late payment charges, over-the-limit fees, and interest rates on any cash advances, and under what circumstances the card company can change your interest rate (or any other terms of the deal)?

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.

Credit Counseling. Advice given by professional counselors to people about how to use credit responsibly and how to get out of serious debt.

Cash Advance Charges:

What happens when my credit card payment is late?

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Here’s how some different methods of calculating finance charges affect the cost of credit: Average Daily Balance (including new purchases) Average Daily Balance (excluding new purchases) Monthly rate 1 1/2% 1 1/2% APR 18% 18% Previous Balance $400 $400 New Purchases $50 on 18th day $50 on 18th day Payments $300 on 15th day $300 on 15th day (new balance = $100) (new balance = $100) Average Daily Balance $270 * $250 ** Finance Charge $4.05 (1 1/2% x $270) $3.75 (1 1/2% x $250) * To figure average daily balance (including new purchases): ($400 x 15 days) + ($100 x 3 days) + ($150 x 12 days) 30 days = $270 ** To figure average daily balance (excluding new purchases): ($400 x 15 days) + ($100 x 15 days) 30 days = $250

This method gives you until the end of the billing cycle to pay a portion of your balance to avoid the interest charges on that amount. Some creditors exclude prior, unpaid finance charges from the previous balance.

In more developed countries, VISA and MasterCard, in particular, will be accepted in many establishments. American Express is much less so and the Discover Card is not accepted outsid the U.S. at all. A number of unscrupulous merchants will attempt to assess a surcharge for credit card purchases. Note that these are not always illegal under the laws of that particular country, but they are forbidden by VISA and MasterCard. As far as these two companies are concerned, you do not have to pay such charges. If you are forced to, make sure to obtain proper wriiten itemization of these charges and request a charge back when you return to the States.

Should I consolidate my credit card debt?

If you applied for a loan and were turned down, you are entitled to a free copy of your credit report, but you must request a copy by writing the correct credit bureau within 30 days of the rejection. With your request, you should include a copy of the declined loan application.

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

Prior to bankruptcy the hospital was offered by the court the same amount I was willing to continue paying until settling the debt and they said this was acceptable. (However, when I offered it, it was unacceptable.) My credit friends suggested bankruptcy, telling me that afterwards it should be simple for me to obtain credit. Again common Wisdom was wrong. Oh, I got a lot of offers from car dealers to buy a car, but once I attempted with a job of four years and no other credit problems to obtain a card (to buy via the Internet) I got nothing but refusals because I had NO CREDIT history, save for a Visa debit card.