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When you receive a credit card offer, it usually comes with a dizzying number of catches and conditions buried in pages of tiny print. These hidden clauses can cost you an unexpectedly high amount of money. The best way to avoid this is to be aware of the most prevalent credit card catches.
Annual Fees –
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When it comes to your credit card obligations, take your promise to pay seriously. Everyone makes mistakes or has hard times but your credit history will follow you and hurt your eligibility for mortgages or loans or even a new job down the road. Late credit card payments are one of the largest sources of
Business credit cards are heavily marketed by a variety of credit card companies. Business credit cards often offer many of the same features that are available on consumer credit cards. These credit card offers are by and large made available to all sizes of businesses from the one employee home based business to large conglomerates.
When you had a temporary oversight on your monthly credit card payment, you can always take advantage of the services of the credit card online or payment over the phone options. If the credit card company wants to charge for this feature make sure you explain your position and ask them to waive the charge.
Credit card agreements – all of those papers that come along with the new credit card – are well known for having fine print that outlines terms and conditions in language that can be difficult for the average consumer to understand. Often what you don’t know regarding the terms disclosed can hurt you. However, that
Everybody has to start somewhere, right? Well, part of the trick in establishing credit is that it’s kind of a catch-22. You need to have some to get some. Remember the old line that you can never be too thin or too rich? My grandmother used to say things like that all the time. But
Choosing a financial institution to handle credit card processing should be similar to choosing any financial institution a business elects to conduct business with. Shopping and comparing the terms of credit card processing companies is not only a necessary part of a business’s plan to accept credit cards but may very well be an overlooked
A credit score is a number that is result of a statistical program scoring system used by creditors and credit bureaus that analyzes data in an individuals credit report or credit profile. The credit score is a numerical estimation of the likelihood that a borrower will meet debt obligations. The credit score is a result
The Co-Signer Visa® credit card is a credit card that is primarily geared towards students and parents and as a means to control and establish credit for young adults. The Co-Signer Visa® Card is offered by Heartland Bank & Trust for this review but is also available by a number of banks in conjunction with
If you can buy just bottled water and nothing more, that’s great, but often stores have minimum purchases of $5 or $10, and then you end up buying things you don’t need just to get the water, and that’s not smart. It’s easy to waste money if you get in any spending habit based on
During the infancy of credit card development and expansion, credit card companies pretty much ignored the small business market. It was thought that since small businesses have a high probability of failing, it was not worth investing in them. Then credit card companies woke up and realized they were missing out on niche market that
LIBOR stands for London Interbank Offered Rate. This is an interest rate which is a index or average of bank rates based on the interest rates established by banks that borrow unsecured funds from one another in the London wholesale market. LIBOR is similar to the Fed Funds Rate or even the Prime Rate used in the United
There is usually a large finance charge for credit card cash advances and the credit card interest begins accruing as soon as you take the money out, not after the next statement closing. Use the credit card services for cash advances carefully to avoid becoming overwhelmed in credit card debt. Be aware of the credit
A fraudulent credit card user is any individual who engages in credit card fraud by using another individuals credit or credit card without the consent or prior authorization of the credit card holder. The fraudulent user may get access to the credit card or credit card number by mail or phone order or a recurring transaction and
The authorization amount is the dollar amount approved by the credit card company to be charged for a specific credit card transaction. The authorization is usually an amount equal to the amount of the credit card purchase made by the card holder. However, with transactions that may require authorization before a purchase is initiated, such
The responsibility of two or more people to repay a debt. Joint liability gives legal responsibility to repay the credit card debt and make timely credit card payments to both parties on the credit card application or credit card agreement regardless of which party authorized the charges or incurred the credit card debt. Joint liability
There are many possible reasons why you might want to dispute the charges to your credit card or credit cards. The good news is that there is something called the Fair Credit Billing Act (FCBA), that’s the federal law protecting the rights of consumers in these matters. If you are feeling very motivated and really
Cash Back credit cards give cash rewards to cardholders for making purchases with the credit card. A cardholder accumulates cash rewards based on the dollar amount of his/her purchases with that particular credit card over a period of time
A typical credit card cash back rate hovers around 1%. However, some credit cards offer a higher
The Equal Credit Opportunity Act (ECOA) was established as a law in 1974, this law prohibits creditors including credit card companies and bank credit card issuers from discriminating on the basis of sex, race, marital status, religion, national origin, age, or receipt of public assistance when deciding whether to issue credit. Failure to comply with
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