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some with low introductory rates and other perks. Many of these solicitations
urge you to accept "before the offer expires." Before you accept, shop around to
get the best deal.
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Credit Card Terms: A credit card is a form of
borrowing that often involves charges. Credit terms and conditions affect your
overall cost. So it's wise to compare terms and fees before you agree to open a
credit or charge card account. The following are some important terms to
consider that generally must be disclosed in credit card applications or in
solicitations that require no application.
Annual Percentage Rate: The
APR is a measure of the cost of credit, expressed as a yearly rate. It also must
be disclosed before you become obligated on the account and on your account
statements. Some credit card plans allow the issuer to change your APR when
interest rates or other economic indicators - called indexes - change. Because
the rate change is linked to the index's performance, these plans are called
"variable rate" programs.
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.
Annual Fees: Most
issuers charge annual membership or participation fees.
Transaction Fees
and Other Charges: A card may include other costs. 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.
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.
You'll probably also want to
consider if the credit limit is high enough, how widely the card is accepted,
and the plan's services and features.
Useful Tips: Keep these tips in
mind when looking for or using 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. 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.
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. You may freely reprint this
information on your website provided the following caption remains intact.
“This information courtesy of DirectOnlineLoans.co.uk. Click
here to see full range of loans.”
