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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.

Shopping Tips Keep these tips in mind when looking for a credit or charge card. Shop around for the plan that best fits your needs. Make sure you understand a plan’s terms before you accept the card. Pay bills promptly to keep finance and other charges to a minimum. Hold on to receipts to reconcile charges when your bill arrives. Protect your cards and account numbers to prevent unauthorized use. Draw a line through blank spaces on charge slips so the amount can’t be changed. Tear up carbons. Keep a record — in a safe place separate from your cards — of your account numbers, expiration dates and the phone numbers of each issuer to report a loss quickly. Carry only the cards you think you’ll use.

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.

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Car Rentals: The potential problem here is similar to the case above with hotel reservations. Car rental companies will place a hold on your account for an amount over and above the actual cost of the rental to insure them against possible damage to the vehicle you rent. But the advantages of using a credit card for car rentals can be many. The perks include free road service, discounts at particular rental agencies, cash rebates and car-rental insurance.

The Annual Fee:

Most major credit card issuers are based in states without usury laws and without interest rate caps on credit cards. Banks and credit card issuers based in these states can charge any interest rate they wish -- as long as the rate is listed in the cardholder agreement and the borrower agrees.

Credit Counseling. Advice given by professional counselors to people about how to use credit responsibly and how to get out of serious debt.

You can definitely save money because if you find the terms are not favorable you can shop around for a better deal, says Detweiler. Check the Bankrate credit card rate tables to find the best credit card for your financial situation.

Two-Cycle (or Double-Cycle) Average Daily Balance Method.

What happens when I charge my credit card over the credit limit offered?

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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Here’s how some different methods of calculating finance charges affect the cost of credit: Average Daily Balance (including new purchases) Average Daily Balance (excluding new purchases) Monthly rate 1 1/2% 1 1/2% APR 18% 18% Previous Balance $400 $400 New Purchases $50 on 18th day $50 on 18th day Payments $300 on 15th day $300 on 15th day (new balance = $100) (new balance = $100) Average Daily Balance $270 * $250 ** Finance Charge $4.05 (1 1/2% x $270) $3.75 (1 1/2% x $250) * To figure average daily balance (including new purchases): ($400 x 15 days) + ($100 x 3 days) + ($150 x 12 days) 30 days = $270 ** To figure average daily balance (excluding new purchases): ($400 x 15 days) + ($100 x 15 days) 30 days = $250

As the owner or potential owner of a small business, there will come a time when you will need to make a variety of purchases/expenditures. Whether it’s for inventory, equipment, promotion, or travel, a business credit card can work for you. Many business credit cards are now aligned with the wide variety of frequent flyer and similar reward programs that add an extra bonus to the mix. You’ll want to make your selection wisely and will need a clear picture of what’s best for your business. Most importantly your business credit card must be affordable. A wrong choice could mean larger debt than you expected or budgeted for not to mention possible impact on your credit rating. A wisely chosen business credit card serve you, your clients and your business well.

How many credit cards should I have?

Because most major credit card companies are based in states with liberal or no usury laws, the sky is pretty much the limit with interest rates and late fees.

They have a higher interest rate than regular card charges. They carry no grace period; interest charges begin to mount as soon as the money spits out of the ATM. Many issuers also require you to pay down the balances for purchases before you pay down the higher-interest cash advance balance.

Chase Platinum for Students No annual fee No interest on purchases for up to the first 6 months Access to low interest student loans and special student benefits Online account management

There are a number of potential problems regarding credit and credit reports which women, in paticular must be aware of. These result primarily from possible changes in marital status such as divorce or widowhood and from possible discrimination against women in the granting of credit. The US Congress passed the Equal Credit Opportunity Act in 1974 to protect citizens against discrimination based on gender, age, color, religion and national origin. But although this makes it difficult for companies to overtly discriminate against women in the granting of credit, more subtle forms of discrimination occur. Additionally, women need to ensure that their credit histories are kept updated whenever their names or accounts with particular creditors are altered due to changes in their marital status.

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Low interest credit cards are best suited for those people who tend to carry a balance on their credit card every month. The savings offered by low interest credit cards can outweigh the benefits of a rewards credit card. You should consider a low interest credit card if your balance is more than a few hundred dollars as you will save a substantial amount on interest charges. You will find that the credit card industry is very competitive and there are several financial institutions competing for your business and because of this competition some credit card issuers will offer low interest credit cards with introductory rates as low as 0%.

Lower Your APR

Looking for a better credit card? Check rates in your area.

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.

Laws capping interest rates Q. Are there laws capping credit card interest rates?