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Credit card terms you need to know -- Understanding the fine print can save you big bucks.

Annual Fees. Most issuers charge annual membership or participation fees. They often range from $25 to $50, sometimes up to $100; gold or platinum cards often charge up to $75 and sometimes up to several hundred dollars.

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.

Prepaid credit cards have appeared on the scene as another alternative to normal credit cards. They are alternative fundamentally in that they are not unsecured credit cards. They are therefore not an unsecured loan in the manner that regular cards are. They are actually a kind of debit card. However, they are gaining popularity in particular niches because they are often marketed towards high-school and college students as a way to introduce them to management of credit cards. Prepaid credit cards are of different types. A popular kind is a variant of prepaid phonecards. They are bought with fixed amounts of credit attached: $25.00, $50.00, $100.00, etc. Cards of lower credit value usually come with relatively higher prices than those of higher value. There are a number of ways to pay for these cards, with credit card payments being the most popular. This type of card is common as a gift card and they often include added features such as bonus points for purchases. This means that some companies have arrangements with merchants so that points are offered only for purchases at particular establishments.

You can cut interest and pay off your balance quicker just by freezing your minimum payment. If your current minimum payment is $150, then commit yourself to paying $150 or more each month until your card is paid off. Your card company will drop your minimum payment requirement as you chip away your balance. Ignore it. Stick with your frozen minimum payment and watch your debt melt away.

There is almost no limit at all on how often terms can change in states where most of the credit card companies are doing business.

Receiving a Credit Card Federal law prohibits issuers from sending you a card you didn’t ask for. However, an issuer can send you a renewal or substitute card without your request. Issuers also may send you an application or a solicitation, or ask you by phone if you want a card — and, if you say yes, they may send you one.

Advanta Platinum Business MasterCard (r) - Apply Online Put your business name where it counts. With the Advanta Platinum Business MasterCard (r) you receive 0% intro APR* on balance transfers, up to $100,000 credit limit and no fees. You also receive a customized card with your business name plus all the advantages of online account management as well as world wide acceptance of MasterCard(r).

Are there laws capping credit card interest rates?

How do I cancel a credit card?

If you are currently searching for a credit card application, why not search online where you will come across many easy to get credit cards. There are a wide variety of companies that offer a credit card application to suit every individuals needs. You will be able to compare the easy to get credit cards available with the various other financial institutions.

After incorrect information has been removed, repeat the process with each credit bureau that carries the inaccurate information. This is necessary since the credit bureaus operate independently and changing records with one will have no bearing on the files at another bureau.

Bank of America®

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

Payment guidelines -- Some card companies require payments to be in by a certain hour on the due date, usually in the morning, or they will charge a late fee. This is especially important to know, as late payments can result in higher interest rates. Credit purity -- If you keep digging, you may find a clause that says your cardholder reserves the right to up your interest rate if it finds you have been late paying other bills. The AT&T Universal Card, bought by Citibank, is doing this now. Card customers were informed earlier this year that interest may shoot to 23.9 percent if a payment is not received by us or any other creditor within 30 days of the due date.

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Amount Due. The minimum monthly payment you must make.