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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.

Credit cards

Apply now for American Express Blue for Business(SM) Card

How do I cancel a credit card?

Normal Interest Rate Once the introductory period is over you will revert to their usual interest rate. The Annual Percentage Rate (or APR) can vary enormously so make sure you check this.

3) A Debit card forces you to limit your spending and avoid credit card debt. This prevents you from falling into the typical credit card trap of only making your minimum monthly payments and thus having to pay huge interest on outstanding balances which can put you in a financial hole.

Travel and Entertainment Cards: T&E cards includeDiners Club® and American Express®. They differ from regular credit cards in that they require that customers pay their outstanding balances each month. They also tend to have high annual fees and to be accepted in far fewer places than credit cards from VISA, MasterCard and Discover. Because of their exclusivity, however, T&E cardholders usually obtain special benefits and incentives from card issuers. Holders may accrue points through airline travel, hotel stays and other business and entertainment expenses which are converted into cash or discounts. One advantage of such cards is the absence of a set spending limit. As long as a customer does not attempt charges which are clearly unpayable, there is no problem since the issuing company knows the amount will be repaid over the next payment cycle. Part of the appeal of these cards is the vanity factor which comes with the prestige of owning them. At the other end of the scale, gas cards are a form of Travel and Entertainment cards and are much easier to obtain.

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How do I get the best credit card deal?

One of the first things the issuer will do is pull a copy of your credit report. Issuers take a close look at your credit history to determine whether to take the risk of giving you a credit line.

Obligations of Creditors: The Equal Credit Opportunity Act means the following:

Before signing up for the first low-rate offer that comes your way, shop around. Maybe that great rate only lasts six months or the annual fee eats up any savings you could enjoy from the low introductory rate.

Cash advances -- Most people think of a cash advance as being a withdrawal against a card from the ATM. But these things don a couple of disguises. The checks that sometimes come attached to your monthly statement are cash advances, as are some balance transfers. Cash advances carry weighty costs. Card companies typically charge a fee of 2 to 4 percent of the amount advanced and impose a higher interest rate than they do on regular charges.

Minimum monthly payment Q. How do credit card companies figure the minimum monthly payment?

Introductory APR. A temporary interest rate (expressed as a yearly rate) offered by card issuers to introduce you to their services. It will usually go up after a certain amount of time (usually 6 months).

How do I dispute a credit card purchase?

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.

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

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

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.

How to get the right credit card

In 1978, the Supreme Court ruled that a national bank could charge the highest interest rate allowed in their home state to customers living anywhere in the United States, including states with restrictive interest caps.

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Other Costs and Features Credit terms vary among issuers. When shopping for a card, think about how you plan to use it. If you expect to pay your bills in full each month, the annual fee and other charges may be more important than the periodic rate and the APR, if there is a grace period for purchases. However, if you use the cash advance feature, many cards do not permit a grace period for the amounts due — even if they have a grace period for purchases. So, it may still be wise to consider the APR and balance computation method. Also, if you plan to pay for purchases over time, the APR and the balance computation method are definitely major considerations.

Investigate an offer before enrolling. Contact your local Better Business Bureau, consumer protection agency, or state Attorney General’s office to see if any complaints have been filed against a particular promoter of gold or platinum cards.

Due Date. The day a payment is due to a creditor.