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Purchasing Card. This card allows a company to place orders directly with suppliers and charges them to the card.

Free Period. Also called a grace period, a free period lets you avoid finance charges by paying your balance in full before the due date. Knowing whether a card gives you a free period is especially important if you plan to pay your account in full each month. Without a free period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. If your card includes a free period, the issuer must mail your bill at least 14 days before the due date so you’ll have enough time to pay.

Airline Fares: If one travels by air with any regularity at all, it is advisable to get a free air miles credit card. These are easy to obtain and provide you with discounts on airline tickets based on the amount of money you charge to your credit card. Additionally, most major credit card companies give you the option of joining travel clubs as well as helping you find some of the most convenient and cheapest flights and travel packages available. This is particularly so in the internet age, where a number of aggressive online credit card issuers have designed their websites to be virtual travel agencies. Most airlines seldom fill out their seating capacities on most flights, so it is worth their while to use the extra capacity to induce potential new customers to use their services. Since airline tickets are relatively expensive, you would need to make significant charges to your credit card in order to get the equivalent of a free airline ticket. Most people do not charge the tens of thousands of dollars this requires to their credit cards. Indeed, most people do not have credit limits which allow them to do so, but it is still possible to achieve this simply by shifting the payment of large expenses such as school tuition or bill payments to a credit card rather than using a check. Of course, in such cases, it makes sense to pay your bill immediately it is due so as not to have to pay interest charges which would more than negate the benefits form free air miles.

Refunds of Credit Balances. When you make a return or pay more than the total balance at present, you can keep the credit on your account or write your issuer for a refund — if it’s more than a dollar. A refund must be issued within seven business days of receiving your request. If a credit stays on your account for more than six months, the issuer must make a good faith effort to send you a refund.

How to get the right credit card

Another good strategy is to pay the bill as soon as it arrives, even if you can only make the minimum payment. Giving your issuer the 2 percent minimum payment it wants ASAP is a great way to guard against late fees.

What is the grace period before interest is applied? How will you inform me of any changes in my contract?

Interest Free Period Most cards provide you with interest free credit for a number of weeks. You should find out how long this is for.

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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.

Co-Branded Card. A co-branded credit card is sponsored by both the issuing bank and a retail organization such as a department store or an airline. Cardholders may get benefits such as discounts or free merchandise from the sponsoring merchant based on account usage and terms.

You may choose to divulge information about your spouse if you feel it will add to your credit worthiness, but you are not obligated to do so.

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The card issuer also must disclose the periodic rate — the rate applied to your outstanding balance to figure the finance charge for each billing period.

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Expensive advances

Obtaining Credit Cards After Bankruptcy:

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.

Less than half of all U.S. states bother to cap credit card interest rates, and few credit card issuers are based in these states anyway.

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

Converting your ATM card to a check card is fairly routine. Pick up a form from your local bank or call them up and have them mail you a form. The application form is simple, although you will be requested to provide your social security number. If you do not wish to divulge your SSN, you may substitute another identification number such as your drivers license number. If you do this, include a note of explanation with your completed application form. Using a check card involves a small period of float between the time of your transaction and the time when funds are deducted from your account. For this reason, some issuers will do a credit check before approving your card.

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

What type of credit card? There are various types of credit card, other than standard cards, that you may want to choose between.

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Popular options commonly include: cash rebates on certain purchases (or in some cases all purchases) purchase protection -- a sort of insurance for what you buy with the card discounts on a lot of good and services insurance on such things as travel or auto rentals additional warranties or guarantees on certain products frequent flier miles

Check out our other credit card basics story and these questions will be seen in context. Find out: Is there an introductory rate, what is it and how long does it last? After that, what will my rate be? Is there an application fee? Are there processing fees? Is there an annual fee? Is there a late fee? Is there an over-the-limit fee? Are there any other fees, like account termination fees or balance transfer fees? When and how can a variable rate be changed? When and how can a fixed rate be changed? What is the grace period before interest is applied? How will you inform me of any changes in my contract? Will the company inform me if I am about to go over my limit? If I go over my limit, what happens? What is the company policy if I have trouble paying my bill? Related Stories: 10 questions to ask before getting a secured credit card Read that tiny type in your credit card agreement Step slowly onto the balance-transfer bandwagon

Definitions • Credit card terms How do I ...? • Find a better credit card? Calculate • Get a personalized credit-health assessment • Calculate the real cost of your debt • What will it take to pay off your credit card? • The true cost of paying the minimum More