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In Kids, Cash, Plastic and You, prepared for parents by MasterCard and the U.S. Office of Consumer Affairs, all it says about credit-card bills is that repayment can be made in installments, over many months or even years. Nowhere does it hint that you can (and should) pay every bill in full. A MasterCard spokesperson insists that, taken as a whole, the booklet gives people a full understanding of how interest works.

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Business Card (Business Credit Card). These credit cards are generally issued to corporate executives or business owners so that they can keep business expenses separate from personal charges more easily.

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Paying a $15 fee when a $25 payment arrives late is still quite a slap, but it sure beats the standard late fee of $25 or $29.

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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.

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.

Average Daily Balance. This is the most common calculation method. It credits your account from the day payment is received by the issuer. To figure the balance due, the issuer totals the beginning balance for each day in the billing period and subtracts any credits made to your account that day. While new purchases may or may not be added to the balance, depending on your plan, cash advances typically are included. The resulting daily balances are added for the billing cycle. The total is then divided by the number of days in the billing period to get the average daily balance.

Amount Due. The minimum monthly payment you must make.

Cards may come with either a fixed rate or a variable rate of interest.

Debts on joint accounts Q. How do I keep my ex from running up credit card debts on a joint account?

If you decide to dispute a charge: Write to the creditor at the address indicated on your statement for billing inquiries. Include your name, address, account number, and a description of the error. Send your letter soon. It must reach the creditor within 60 days after the first bill containing the error was mailed to you. The creditor must acknowledge your complaint in writing within 30 days of receipt, unless the problem has been resolved. At the latest, the dispute must be resolved within two billing cycles, but not more than 90 days.

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Minimum Payment. The minimum amount you are required to pay the credit card issuer each month.

Some credit card plans allow the issuer to change your APR when interest rates or other economic indicators — called indexes — change. Because the rate change is linked to the index’s performance, these plans are called variable rate programs. Rate changes raise or lower the finance charge on your account. If you’re considering a variable rate card, the issuer must also provide various information that discloses to you: that the rate may change; and how the rate is determined — which index is used and what additional amount, the margin, is added to determine your new rate. At the latest, you also must receive information, before you become obligated on the account, about any limitations on how much and how often your rate may change.

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These days, there are a vast number of UK credit cards available from a variety of financial institutions. As well, there is a multitude of brands and types of UK credit cards to choose from. Depending on what your situation is, there is a card designed to suit your needs. As a result of this saturated market, there are some very alluring deals for the potential client. There are charge cards, store cards, and smart cards just to name a few. Some offer 0% interest on balance transfers others offer free extended warranties on purchases. The smart card, some consider the card of the future, has a microchip embedded into the plastic. This microchip replaces the magnetic strip and can hold much more information. Of course, there are still the gold and platinum UK credit cards that have gained great popularity in recent years. Regardless of your needs, you will find the right credit card to suit you.

Many bank and T&E cards come with an annual fee of up to $50.00 or more. There are however, cards which charge no annual fee. They are usually reserved for customers with the best credit ratings. VISA®, MasterCard® and Discover® cards with no annual fees are obtainable, but finding these involves diligent searching by the prospective cardholder. At the other end of the spectrum, consumers with very poor credit ratings will find a number of companies willing to issue high risk credit cards but with very high annual fees as well as other charges. Very often, consumers needing to re-establish their credit are willing to pay these amounts.

Variable APR. Variable APR (expressed in yearly terms) fluctuates based on an index such as the Prime Rate or LIBOR.

You’ll probably also want to consider if the credit limit is high enough, how widely the card is accepted, and the plan’s services and features. For example, you may be interested in affinity cards — all-purpose credit cards sponsored by professional organizations, college alumni associations and some members of the travel industry. An affinity card issuer often donates a portion of the annual fees or charges to the sponsoring organization, or qualifies you for free travel or other bonuses.