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Advantages and Disadvantages of Using Credit Cards.

Many consumers are unaware that every time they use their credit cards to withdraw cash, extra fees kick in: Cash advances carry an upfront fee of 2 percent to 4 percent of the amount advanced.

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

If you’re looking for credit, be wary of some gold or platinum card offers promising to get you credit cards or improve your credit rating.

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Should I consolidate my credit card debt?

Late payment Q. What happens when my credit card payment is late?

$1,000 credit card balance 19 percent APR 2 percent minimum payment Monthly payments Time to pay off debt* Total interest you will pay* Minimum (Starts at $20 and goes down a little each month) 22 years $2,400 Fixed $20 8 years $1,000 Fixed $30 4 years $450 Fixed $40 3 years $300 *years and amounts have been rounded-off for illustration purposes

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

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

Be sure you are aware of your payment profile because the way you plan to pay your bills is important when it comes to choosing a card. Paying every cent every month (instead of paying just a part of it) changes what you are shopping for.

The following table illustrates how much you will save in interest if you make more than the minimum monthly payments on a credit card with a $1,000 balance and a 19 percent interest rate.

They have a higher interest rate than regular card charges. They carry no grace period; interest charges begin to mount as soon as the money spits out of the ATM. Many issuers also require you to pay down the balances for purchases before you pay down the higher-interest cash advance balance.

1) For consumers with poor credit histories who are unable to obtain credit cards, they are an option. However, in such cases, secured credit cards are an even better option. However, the credit limit on a secured credit card is some percentage of a savings account which you would have to open at the issuing bank. If you do not wish to open such a savings account for any reason, you may opt for a debit card instead.