In the credit card industry, longer is better when it comes to balance transfers, says SmartBalanceTransfers.com, a website that allows visitors to find the best credit card balance transfer offers. The longer the 0% ...

... are: • The ban on fees for inactive cards; • The cap on late payments; • An explanation of rate increases - if your annual percentage rate (APR) goes up, you must be told why; • Your credit card company ...

2010 /PRNewswire/ -- MBNA has announced the launch of a new credit card deal offering no handling fee ... The standard rate of interest for card purchases will be 16.9% APR (typical) variable. This card is available ...

... credit card that offers a promotional 0% interest rate the first year which will then become a 16% interest ... Looking for the best low APR credit card or a card offering rewards like cash advances?

Once a student is confident of being able to pay bills on their own and to handle the balances responsibly they can apply for a proper credit card. 0% Intro APR on Purchases and Balance Transfers for 12 months.

Think of your interest rate (or APR ) as the defensive line, and you want those guys as small as possible.  So look into low interest credit cards , cards with 0% introductory APR offers, or special rates on balance ...

2: Low APR This one's often related to 0% introductory APR credit card offers . You'll probably be promised a low APR once your 0% introductory APR offer expires. What constitutes a low APR is obviously in the eye of ...

If your credit card issuer increases your card’s annual percentage rate (APR), it must spell out why. Plus, if your APR has been increased since Jan. 1, 2009, the issuer must review that decision after six months and,

Card companies must now notify a customer 45 days before increasing the annual percentage rate (APR) of a credit account or before changing fees, and must explain why they are doing so.

When shopping for a credit card, always look for one with no annual fee ... Barclays Visa Black $495 0% APR for 6 months on balance transfers The card is made with carbon, "creating a more unique card guaranteed to ...

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So I just got a Citibank Card with a $4000 dollar credit line, and 0% Introductory APR on Balance Transfers for 12 Months(YES!) I have about $2000 dollars in CC debt I'm trying to pay off, and I'm thinking of doing a balance transfer to pay it off faster. Question is, they assess a 3% fee for the transfer. Is that included in the total balance, or is the fee tacked onto the next minimum monthly payment? Thanks.So it gets added to the balance rather than tacked onto the minimum? Thanks, all I wanted to know.

I am starting a new project and want to use credit for starting costs. I want to keep my credit score as high as possible. My current two credit cards have plenty of room, but I would save money by opening a new card with a 0% intro APR. I will pay off the balance completely within a year. Would it hurt my credit badly to open a new account? For how long is an account considered new? It might not be worth dropping my credit score by 20 points just to save a thousand bucks, if the drop lasts for years. Any help is appreciated, thanks! p.s. Anyone spamming with those fake credit monitoring site links will be reported and deleted.

So just paid off my credit card this month, only to find a "minimum interest charge" of $1.50. Will I be charged that even if I don't carry a balance at all? Like lets say I didn't pay that off and let it sit all month, they'd charge me 1.50 again, effectively charging me a 1200% APR. But I didn't let it sit I paid it off after 4 days. That means my average daily balance should be $0.15. $1.50 monthy interest on 0.15 daily balance that would be 10 times that amount, 12,000% APR. If I paid that off the day it was charged I'd have an average daily balance of $0.05. Charging me $1.50 on that would be an interest charge of 36,000%!!! I apologize if my math is wrong but here's the thing, I have a credit score of 779 and frankly I'm too good for a "minimum interest charge" I just got a credit card through my credit union with no minimum interest charge and no annual fees. Would Chase be willing to stop charging me "minimum interest charge" permanently? Or should I just close the account?

I just got a credit card with 0% APR for the first year. I only have 1 other credit card which I pay off in full every month. If I make at least the minimum payments on the 0% APR card and make sure the balance is paid off completely before the end of the year, will my credit score be negatively effected?

I want to find a credit card that has a 0% apr and no fees on a balance transfer. I am not desperate to transfer the balance, but I figured if a card did exsist that had no fees at all, I would like to take advantage of the offer. Is there any card that exsist?

The government should freeze all credit card APR to 0%, just like it put federal reserve rate at 0%. When their is no interest fee or APR, consumer can save more and can probably put that to use and consumer spending can go up, which stimulates the economy. Banks make billions and billions of dollars on credit card APR. They pocket the profits, while the consumer is left burdened with debt and economy dying. Notice how chase, citibank, etc etc have started reporting $3 billion+ in profits. A lot of people are buried in credit card debt and can't buy anything more, and this is choking the economy. Also since Obama bailed out the banks, then 0% APR would do good. I personally do not own any credit card and use cash/debit card only, because I don't want to pay interest fees and it is tough to make full payments nowadays for way too many people.

i have a credit card. on my report it shows the following. when will it be deleted from my report. BANK USA Address: PO BOX 15298 Status: Transferred,closed. $866 written off. Date Opened:Type: 09/2002Revolving Reported Since:Terms: 09/2002NA Date of Status:Monthly Payment: 09/2006$0 Last Reported:Responsibility: 09/2006Individual Creditor's Statement: Purchased by another lender. Credit Limit/Original Amount: $600 High Balance: $938 Recent Balance: NA Recent Payment: NA Account History: Charge Off as of Sep 2006 180 days past due as of Aug 2005 to Aug 2006, Mar 2005, Feb 2005 150 days past due as of Jul 2005, Jan 2005 120 days past due as of Jun 2005, Dec 2004 90 days past due as of May 2005, Nov 2004 60 days past due as of Apr 2005, Oct 2004 30 days past due as of Sep 2004

what does it mean if ur applying for a new credicard and it says "0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months." compared to "0% intro APR until August 2011 on balance transfers, processed in as little as 48 hours"...is it the same or???im kinda lost...coz my first credit card after a year of using it the apr increased from 0% to 14%...now ima close it and get a new 1...juz trying to get the best deal...

I am trying to decide if I am better off to do a balance transfer with a 0% promotional APR with closing date in April 2011 or stay with the one I have now, which I am paying a promotional APR 3.99% expiring on April 2011. I got this promo offer from a credit card with -0- balance, and I want to see which one will save me money during the promotional run. Thank you,

i do have this card 4 years ago, but it looks i will never pay off my credit. any idea how can i reduce APR or change another credit card? this some payment information: new balance -----------$7,853.07 minimum payment due------$248.53 previous balance-------7,943.54 payments------------------------$260 fees charged---------$0.00 interest charged---------------$169 i never missed a payment with them or even with other bills, (electric, phone, insurance ...) i would like pay less than $260/ mo and less interest with other company, can you tell me what is my APR now? please help. peace!minimum payment --------$248.53credit limit-----$9,150.00

I'm not unintelligent, but at 22 I've never had a credit card before, and need one. My parents were never the people to go to for questions about this sort of thing, and it's why I'm posting here. I'm completely unsure of my credit history. I've had a couple of store credit cards, which I've paid off and closed, car insurance and student loans, and all of this has been on time over the past 4 years or so. I was late maybe twice on any given payments. My real fault is that I have allowed balances remain on store cards, and when I was low on money, some of that stayed on for over a year. It never occurred to me until recently that this might hurt my credit history? Anyway, this is my knowledge on credit cards: You open them, use them, receive a monthly bill which has a due date and if you don't pay it, you get a late fee added on, plus the balance and any additional balances and interest within your credit limit. That's fine, I understand that. Here's what I'm not understanding: Interest rates. If you open a credit card with the 0.0% APR for the first 12 months, do you get charged any interest at all within the first year? For example, if I charge something for $100, and pay $60 on time when I receive my monthly statement, is that remaining $40 gaining any monthly interest? And if there's anything like this, where can I find this information before applying? A friend told me to go with one of the 0.0% APR interest rates for the first year with no annual fees, pay it off, and then close it and switch to another first year no APR without fees. My job is hit or miss when it comes to money. Sometimes I get by with paying my bills with enough money left over to live comfortably, and other paychecks can look a little grim and I'm just barely getting by. As it stands now, I'm still attending school, need a new computer for it, and am responsible for my best friends' bridal shower next week. I currently do not have a money to tackle all of it. Any advice would be much appreciated.

so i kind of want to get a credit card with american express and i was wondering if these terms are good for someone whos never had a credit card. ive already read through them and i think they sound okay but then again im not really experienced in the terms of credit cards thats why i would love some elses opinion on the matter Blue Cash from American Express IMPORTANT INFORMATION REGARDING RATES, FEE, AND OTHER COST INFORMATION Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0.0% introductory APR for the first 6 months. After that, your APR will be 17.24, 19.24 or 21.24% based on your creditworthiness as determined at the time of account opening. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 17.24, 19.24 or 21.24% introductory APR on balance transfers requested within 30 days of account opening. After that, your APR for those transactions and any other balance transfer requests, if we accept them, will be 17.24, 19.24 or 21.24% based on your creditworthiness. APR for Cash Advances 25.24% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 27.24% This APR will vary with the market based on the Prime Rate. This APR will apply to your account if you: 1) Make one or more late payments; or 2) Make a payment that is returnedHow Long Will the Penalty APR Apply? If the Penalty APR is applied for any of these reasons, it will apply for at least 12 billing periods in a row,and will continue to apply until after you have made timely payments, with no returned payments, for 12 billing periods in a row. Paying Interest Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. Fees Annual Membership Fee $0 Transaction Fees Balance Transfer Cash Advance Foreign Transaction Either $5 or 3% of the amount of each transfer, whichever is greater. Either $5 or 3% of the amount of each cash advance, whichever is greater. 2.7% of each transaction after conversion to US dollars. Penalty Fees Late Payment Returned Payment $19 if balance is less than $250; $39 if balance is $250 or more $38 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." Loss of Introductory APR: We may end any Introductory APR and apply the Penalty APR if you make a late payment. Variable APRs for each billing period are based on the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. When the Prime Rate changes, the resulting changes to variable APRs take effect as of the first day of the billing period. Variable APRs are accurate as of 07/15/10. TERMS AND CONDITIONS By submitting this application, you are requesting us to open an Account in your name and to issue Card(s) as you direct. Only qualified individuals 18 or over may apply for an Account. This offer is available to US Residents, excluding Puerto Rico and the US Virgin Islands. You promise that the information you provide on this application is accurate. You authorize us to verify this information and to obtain reports from consumer reporting agencies. You authorize us and our affiliates and subsidiaries to share information we have about you at any time for marketing and administrative purposes as permitted by law. Upon request, we will tell you if we have received a consumer report and the name and address of the agency that provided it. When you use your Account (or sign or keep the Card), you agree to the terms of the Cardmember Agreement that will be provided to you.Your Cardmember Agreement includes an arbitration provision, which impacts your opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. You are responsible for all use of your account, including use of your Account by Additional Cardmembers and anyone you or they allow to use your Account. We may change the terms of, or add new terms to, the Cardmember Agreement at any time, subject to applicable law. We may apply any changed or new terms to any existing and future balances on your Account, subject to applicable law. Additional Cards: Yo

i have really good credit (enough to get me 0% apr on a car) so i dont know what this means? Help plz!

I have $1,800 left on a car loan for about 8 more months of $310 per month and I have about $6,500 on a credit card with a 0% apr for about 7 more months. I have the money now to pay of the car loan and use what would be an extra $310 to snowball into the credit card debt to pay it down with out any other debt on the table. It feels like the way I should do it but Am just looking for opinions or sound professional advice. Mahalo ahead of time.

I am REALLY trying to pay off my credit card debt within the next 5-7 months (I managed to pay the first card off, now I just have this one left) I am a student and had to use my cards for books and other school stuff the last few semesters, so the balance went really high The facts are: Balance--> $1,695.45 Current APR on Purchases: 23.9%, which has actually been bumped to 29.9% My balance was around $2,700, but I have managed to lower it thus far: The problem is (I JUST got off the phone with my credit card company) and they've told me that there is NO way to lower it at all. I even explained my plan to them and let them know that if they couldn't lower it, I would Transfer my balance and close this account. (I wasn't rude or anything and even said several times "Is there really nothing you can do? I've never had a problem with X and would like to stay, but if there's nothing X is willing to do, I will, unfortunately have to leave.) Anyway, the bottom line is No from them... SOOO....Would it be best to TRANSFER this balance to another company? Would it hurt my credit score? I have found two companies with (seemingly) good offers: #1: ("CB") 0% Intro APR on Purchases for 7 months. After that, the APR will be 11.99%-18.99% based on your creditworthiness. this one *could* work because that's about the amount of time I need....I do have good credit...their rates are still significantly lower than my current company #2 ("D") *Intro PURCHASE* APR: "0% for 9 months then purchase APR of 11.99% to 19.99% variable" Intro *BALANCE TRANSFER*: "0% for 12 months then purchase APR of 11.99% to 19.99% variable" So, my question is: 1: would it hurt my credit to transfer? especially (in the long-run)? 2: Is company #1 or #2 better? 3: Should I have called the corporation "V" and ask for the lower rate, or the "Bank---X" that uses "V's" logo on their card??? FYI-I called the "Bank" Any other tips, advice, suggestions would be greatly appreciated. Thank You

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It was just a few short years ago that having a number of credit cards was the done thing. We moved our money around, took advantage of 0% balance transfer credit cards , had more than just one or two deals and generally felt comfortable with the whole idea of debt.

Take a look at some of the more deceptive terms you might see inside of--and even on--the envelopes you find in your mail box.

Going behind the numbers shows you might be paying more than you think.

Credit card debt falls and other industry news.

This quarterly earnings release should be read in conjunction with our

MBNA has launched a market leading credit card deal for people looking to pay down their debts. (27/08/2010 19:24:41)

Competition in the credit card market is at a high, but providers are increasingly fussy about who qualifies for their best deals. Gavin Littlejohn, chief executive of Money D

In a sign of good health, consumers are once again besieged by mailings seeking their business.

STAMFORD, CT--(Marketwire - August 24, 2010) - In the credit card industry, longer is better when it comes to balance transfers, says SmartBalanceTransfers.com, a website that allows visitors to find the best credit card balance transfer offers. The longer the 0% APR balance transfer period, the more credit card debt you can eliminate.

The new "60" registration plate is upon us this week. But as buyers head to the nearest dealer, it is important to tread carefully when it comes to car financing.