credit card calculator, PA Pennsylvania

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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.

You may use either your married name or your maiden name or both when applying for credit.

Misrepresent prices and payments for merchandise. You’re not allowed to charge the total amount when you buy merchandise from gold or platinum card catalogues. Instead, you often must pay a cash deposit on each item you charge—an amount usually equal to what the company paid for the product. Only after you pay your deposit can you charge the balance. Also, catalogue prices can be much higher than discount store prices.

Interest. A charge for borrowed money, generally a percentage of the amount owed.

1) For consumers with poor credit histories who are unable to obtain credit cards, they are an option. However, in such cases, secured credit cards are an even better option. However, the credit limit on a secured credit card is some percentage of a savings account which you would have to open at the issuing bank. If you do not wish to open such a savings account for any reason, you may opt for a debit card instead.

Understanding Credit Card Fees and Charges.

Previous Balance. This is the amount you owed at the end of the previous billing period.

Cardholder Protections Federal law protects your use of credit cards.

Buried deep among the colorful fliers advertising executive planners and calculators is information that may be more important to your bottom line than the Amount Due box. The clue to finding it? Look for the small print.

Debit Card. A debit card deducts the amount of your purchase directly from your checking account.

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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.

Do a little comparison-shopping and you might find a card with the same rate for at least a year or another card with the same deal but no annual fee.