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Not only can you find card deals on the Web, sign up for them and have your card in the mail to you the same day, you can also take care of card business online.

Late payment Q. What happens when my credit card payment is late?

If you belong to a credit union, their card is a good choice for that one application. You can also shop cards on Bankrate but again, only apply for one card. If you are denied, then try for a secured card.

Daily Periodic Rate. your annual interest rate expressed on a daily basis. It equals 1/365th of your annual percentage rate.

Convenience Checks. These come from credit-card issuers. You use these checks to pay off the debt you have on other cards, which transfers your debt to the card that gave you the check. The typical inducement? A special low rate. But that rate may last only a few months. If you pay late or exceed your spending limit, some cards are imposing interest-rate penalties as high as 24.9 percent, says Ruth Susswein, executive director of Bankcard Holders of America. Check the fine print before accepting any low-rate offer.

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.

Disputes about Merchandise or Services. You can dispute charges for unsatisfactory goods or services. To do so, you must:

If you choose to maintain joint accounts with your husband, realize that there is still a separate credit history for you as far as the credit bureaus are concerned, and you need to make sure that the payment history of the joint accounts are reported to the three main credit bureaus. If in doubt, order a copy of your credit report from all three credit reporting agencies to verify. You will find their addresses listed on our Credit Bureaus page.

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.

The best bet for consumers is to pay credit card bills on time every month. These tips will show you how.

For more information on a credit card application and easy to get credit cards, or for resources on other related products, choose from the following categories: American Express Credit Card Chase Credit Card Bank of America Visa Discover Credit Card Credit Cards UK Low Interest Credit Cards Business Credit Cards Student Credit Cards Secured Credit Cards Credit Card Rewards Bad Credit Credit Cards Free Credit Reports

Always keep credit information current by obtaining copies of credit records at least once yearly after resolving problems. This will also act as an alert to any credit fraud that may be occuring.

Avoid Becoming A Victim Of Gold And Platinum Card Scams

In recent years many financial institutions began marketing a complete range of credit cards featuring a wide variety of options. Some credit cards offer low interest rates where other’s offer benefits such as insurance coverage for travel and cash advances. A Chase credit card offers many features and options for the cardholder. Some of which are, customer service 24 hours a day, 7 days a week, Convenience Checks to use instead of your Chase credit card, and you can request additional cards at no extra cost! A Chase credit card takes the worry out of accessing cash when traveling abroad by allowing you access at banks and ATM’s worldwide. You will also have access to valuable services such as transferring high interest balances to your lower interest Chase credit card. The benefits of holding a Chase credit card are great. Take a minute and check it out, you will see the flexibility and services that await you.

Store Cards These are credit cards offered by shops, such as Marks and Spenser. These are usually not as competative as other cards available and so are not generally recommended.

But before you do, understand fully what each little online offer means. An online credit card bill payment may actually take longer, or cost more, than a snail mail payment for example.

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

Choice of four card designs Acceptance at more than 24 million locations worldwide Cash access at more than 380,000 ATMs Total Security Protection™ package Zero Liability from unauthorized use of your card3 Auto rental insurance against collision or damage1 Travel accident insurance coverage up to $500,0001 Emergency medical and travel services1 Additional cards at no extra charge

Balance Computation Method for the Finance Charge. If you don’t have a free period, or if you expect to pay for purchases over time, it’s important to know what method the issuer uses to calculate your finance charge. This can make a big difference in how much of a finance charge you’ll pay — even if the APR and your buying patterns remain relatively constant. See page 10 for examples of how the methods can affect your costs.

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.

Transaction Fees and Other Charges. Some issuers charge a fee if you use the card to get a cash advance, make a late payment, or exceed your credit limit. Some charge a monthly fee whether or not you use the card.

How many times have you received your bill and have an APR of 12% and then get another letter in the mail saying, apply today for 6% APR for 6 months or better yet 0%. I was tired of feeling cheated so I called up my credit card company after months and months of wondering what I could do to bring down my payments.

Always be on the lookout for a better card deal. Study the offers that come in your mailbox. Search online. The Bankrate.com credit card search engine can help you locate the best deals from issuers from around the country.

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