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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.

Store Cards: Retail establishments have found that by issuing their own credit cards to customers they are able to generate a considerable amount of repeat business from consumers who want the convenience of purchasing by credit. For one thing, these consumers tend to spend more on purchases than consumers using cash. Secondly, merchants make significant profits from interest charges and fees for such credit accounts. Thirdly, merchants build up databases of information on their customers which benefit them directly in their marketing or indirectly when they are able to sell this information to various credit agencies and brokers. Department store cards are usually much easier to aquire than bank cards. They also provide certain benefits through sales and discounts, but their interest rates tend to be very high. It is to a consumers advantage to pay the balances on these cards in full each month to avoid these interest charges. Since these cards are usually free, their prudent use can be a considerable convenience. Additionally, store cards are a good way to build up a credit record before applying for more difficult to obtain forms of credit. This is because retail establishments report their accounts to all the major credit bureaus. But consumers must be careful! Many establishments, particularly around the holiday season offer seemingly fantastic deals such as no interest offers on purchases for several months. However, if the customer misses the payment deadline, interest charges are computed from the initial date of purchase and can be quite exhorbitant.

Grace periods -- This is the amount of time you have to pay off balances without incurring interest charges. Savvy card users take advantage of it and save money. But even veterans can be caught off-guard, as many issuers have cut grace periods from 25 days to 20 with little advance notice.

Looking for a better credit card? Check rates in your area.

Here are some suggestions for maintaining good credit after the credit repair period is over: Live within your means. Do not return to the bad financial habits that resulted in credit problems the first time. Create a budget. Know where all your money is going. Small purchases can add up and make it difficult to meet important obligations. Keep records of all money spent for one month. This detailed record will show where spending cuts need to be made. It will also alert you to any spending problems. Plan for financial emergencies by depositing a fixed amount of income to a special emergency account. Do this as if paying another monthly bill. This money will insure that emergencies such as illness or loss of job do not catch you totally unprepared. Try to accumulate enough in the fund to pay bills for at least six months. Finally, make a conscious effort to be money smart. This will be a lifelong task but will eliminate the chance of falling back into the bad credit trap of the past.

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Such gold and platinum credit-card offers usually are promoted through television or newspaper advertisements, direct mail, or telephone solicitations using automatic dialing machines and recorded messages. People with low incomes often are the target of these sales pitches.

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.

Many credit card companies are now charging late payment fees of up to $25.00. The amount of grace period time you have from the payment due date until this fee is assessed varies from issuer to issuer. Since the date refers to the day of receipt of your check and not the date of postage, consumers who cut things close to deadline dates leave themselves open to such charges. What can be insidious about such fees is that some banks and credit card companies tag add these fee amounts to your outstanding balance and then charge you interest fees on the full amount.

have made the purchase in your home state or within 100 miles of your current billing address. The charge must be for more than $50. (These limitations don’t apply if the seller also is the card issuer or if a special business relationship exists between the seller and the card issuer.) and, first make a good faith effort to resolve the dispute with the seller. No special procedures are required to do so. If these conditions don’t apply, you may want to consider filing an action in small claims court.

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.

You can also get a free report if you are unemployed, planning to apply for jobs in the next 60 days, receiving public welfare assistance or believe the credit file contains mistakes resulting from fraud.

I think it’s a big thing to learn how to save money using different kinds of credit cards and in turn using THEM to make money for you. I put everything on credit cards that give me rebates. Although, some credit card companies charge annual fees in place of the rebates so you have to be careful. Great Credit cards to obtain if you pay them off each month include the Citgo Visa Preferred Card and the Freedom Card from Chase, it actually gives you 1% back, unlike Discover that waits a year and you’re lucky to get a FULL 1% back! The Freedom Card gives you 3% back on gas purchases and 1% back in rebates. Just remember to pay these higher interest rewards cards off each month, It will teach you to pay bills and earn money.

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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.

Rarely, however, can you improve your credit rating or get major credit cards by buying gold or platinum credit cards. Often the only major credit card you might get is a secured credit card that requires a substantial security deposit with a bank. In addition, many of these credit-card issuers do not report to credit bureaus as they promise, and their cards seldom help to secure lines of credit with other creditors.

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Additional benefits Travel and emergency assistance $5,000 minimum credit line Automatic travel accident insurance up to $500,0003 Automatic auto rental insurance3 Extended warranty protection3 Worldwide acceptance and cash access at more than 24 million locations Convenience checks at no extra charge to access your account where credit cards are not accepted Additional cards at no extra charge

A trap that trips consumers This is where most consumers get tripped up, says Gerri Detweiler, author of The Ultimate Credit Handbook. Any time you get a notification from a credit card company, you have to pay attention to it. Card contracts require constant monitoring because they can be amended quickly and frequently. A card issuer is required to give only 15 days notice of a change in terms.

Another reason for secured credit cards is for those who have good credit, but enjoy the freedom of staying debt free. A secured credit card or a stored value card will keep you debt free and offer you the conveniences of having a credit card such as booking hotels, rentals cars, or shopping online.

While they sound like general-purpose credit cards, some gold or platinum cards permit you to buy merchandise only from specialized catalogues. Marketers of these credit cards often promise that by participating in their credit programs, you will be able to get major credit cards (such as an unsecured Visa or MasterCard), lines of credit from national specialty and department stores, better credit reports, and other financial benefits.

Chances are you’ve gotten your share of pre-approved credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept before the offer expires. Before you accept, shop around to get the best deal.

You can definitely save money because if you find the terms are not favorable you can shop around for a better deal, says Detweiler. Check the Bankrate credit card rate tables to find the best credit card for your financial situation.

1 Certain exclusions, restrictions and limitations apply. Details available when you become a cardmember. 2 See Terms and Conditions for details. 3 When you notify Bank of America promptly that your card has been lost or stolen.