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Refunds of Credit Balances. When you make a return or pay more than the total balance at present, you can keep the credit on your account or write your issuer for a refund — if it’s more than a dollar. A refund must be issued within seven business days of receiving your request. If a credit stays on your account for more than six months, the issuer must make a good faith effort to send you a refund.

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.

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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I called them about the credit card companies wanting to give me lower interest- and asked what I could do without going elsewhere and having more Credit Card inquiries on my report. They said that since I made all my payments on time and am in good standing with their Bank they would lower my rate and decrease my monthly minimum payments. It was that simple. I am now saving just for making a simple phone call. I tell my friends its the simple things you do to get your bills lowered.

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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.

Annual Percentage Rate. The APR is a measure of the cost of credit, expressed as a yearly rate. It also must be disclosed before you become obligated on the account and on your account statements.

How do credit card companies figure the minimum monthly payment?

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

To hang on to the credit card business, many other states loosened state usury limits.

Cash Advance Charges:

Have you run into some tough financial times in the past and have been rejected from credit card issuers? If so, secured credit cards are for you. Secured credit cards require a security deposit as a guarantee of payment for the financial institution. Applying for a secured credit card may be your only credit option if you have a less than perfect credit rating. If your goal is to repair your credit, secured credit cards are a great starting point. Check out the fine print to make sure the credit card that you are applying for reports to the credit bureaus to ensure that you will be improving your credit rating.

Bank of America®

Discover® Gold Card Apply for a special No-Annual-Fee Discover® Gold Card with all of these privileges - 0% Intro APR*, No Annual Fee, We pay you up to $500*, 100% Fraud Protection, Internet Account access and bill payment, Superior 24-hour Customer Service. * Click here to see important information about the APR, fees, and other Important Information

Your best move is to pay down the balance on this card as quickly as possible.

The application for Visa credit card will tell you the annual fee and also the APR which is the annual percentage rate of the card. It is very important that you know both of these before you decide to apply.

Bank of America® Visa® Platinum 8.9% Fixed APR for Balance Transfers

Discover® Platinum Card Apply for a special No-Annual-Fee Discover® Platinum Card with all of these privileges: 0% Intro APR*, No Annual Fee, Up to 2% Cashback Bonus® award*, 100% Fraud Protection, Up to $50,000 Credit Limit, and Online Account access and bill payment. * Click here to see important information about the APR, fees, and other Important Information