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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.

Two-cycle Balances. Issuers sometimes use various methods to calculate your balance that make use of your last two month’s account activity. Read your agreement carefully to find out if your issuer uses this approach and, if so, what specific two-cycle method is used.

Converting your ATM card to a check card is fairly routine. Pick up a form from your local bank or call them up and have them mail you a form. The application form is simple, although you will be requested to provide your social security number. If you do not wish to divulge your SSN, you may substitute another identification number such as your drivers license number. If you do this, include a note of explanation with your completed application form. Using a check card involves a small period of float between the time of your transaction and the time when funds are deducted from your account. For this reason, some issuers will do a credit check before approving your card.

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$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

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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.

A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost. So it’s wise to compare terms and fees before you agree to open a credit or charge card account. The following are some important terms to consider that generally must be disclosed in credit card applications or in solicitations that require no application. You also may want to ask about these terms when you’re shopping for a card.

Finance Charges: The term sounds confusing, but this is actually the most obvious of the charges on a credit card account. It is the interest charge on your account balance based on the fixed annual rate.

As the owner or potential owner of a small business, there will come a time when you will need to make a variety of purchases/expenditures. Whether it’s for inventory, equipment, promotion, or travel, a business credit card can work for you. Many business credit cards are now aligned with the wide variety of frequent flyer and similar reward programs that add an extra bonus to the mix. You’ll want to make your selection wisely and will need a clear picture of what’s best for your business. Most importantly your business credit card must be affordable. A wrong choice could mean larger debt than you expected or budgeted for not to mention possible impact on your credit rating. A wisely chosen business credit card serve you, your clients and your business well.

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When you review an agreement, focus on overall cost. Here are some features that should be scrutinized. Interest rates -- A super-low rate for six months will be advertised in bold, colorful print. But you have to put your glasses on to find out this teaser rate takes a hard vertical turn when the introductory period is over, or that the low rate applies only to balances you have transferred from other cards. Even a rate advertised as fixed can be increased.

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Annual Percentage Rate.

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.

Cost of cash advances Q. How do cash advances from a credit card work?