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Opting For A Credit Card? Check Out Certain Terms
By James Marriott
You've just received a "pre-approved" credit
card offer in your mail. Without wasting a minute you're
ready to accept it, especially if it's the "before-the-offer-expires"
one. Wait! Don't be in a hurry. Shop around a little
and then make your decision about that credit card.
Do you know that these "pre-approved" offers
that pop up almost every time you open your mail are
just gimmicks? Actually, the approval of your credit
card depends on your formal application. If it fails
to meet the criteria, you may be either denied the credit
card or offered a higher interest rate on it. Moreover,
don't be in the illusion that just because your
credit card is pre-approved, it'll be compatible
to your spending habits. Credit card basically means
that you're borrowing money by paying some charges.
So, it's essential to understand the terms and
conditions of the credit card before accepting it.
Every credit card applier should be aware of certain
terms before opting for that valuable plastic asset.
Are you aware of them? If not, then read on...
Annual Percentage Rate (APR): It's the measure
of the credit cost that is charged annually. Before
opening your credit card account, you should be familiar
with the APR. In addition, some credit card issuers
may change your APR with the change in interest rates
or other economic indicators. Programs allowing such
change are called "variable rate" programs.
Free Period or Grace Period: Always find out whether
your credit card gives you a free period lest you may
be deprived of the benefit of avoiding finance charges
on full payment before the due date. If your credit
card offers a grace period, you should receive your
bill 14 days prior to the due date, so that you get
sufficient time to make the payments.
Annual Fees, Transaction Fees and other charges: It's
vital to have knowledge about the annual and transaction
fees charged by the credit card issuer. Besides this,
you may also be charged in case of a cash advance, a
late payment, or exceeding your credit limit. Sometimes,
you've to pay a monthly fee even if you don't
use your credit card.
The Bonus Program: If you're opting for a credit
card that offers attractions like airline miles, merchandise,
or cash back, check out whether there are any participation
charges linked with them. If you think you won't
get a chance to use these bonuses due to your lifestyle,
then it's better to avoid such credit cards.
Zero percent financing: If you hold several credit cards,
then a credit card with an initial 0 percent balance
transfer rate would save you hundreds of dollars in
the first year. However, such transfers may come with
some charges. Check them out.
Credit card terms differ with the issuers. You should
know how you'd use your credit card. For instance,
if you are going to pay your full balance each month,
then you should concentrate on annual fee and other
charges rather than the periodic rate and the APR.
Moreover, you should know your credit card limit too.
Also, find out how popular the credit card is and what
are the features and programs of the credit card you've
opted for.
Once you are well versed with the terms of the credit
card, just apply for it!
James Marriott is a finance writer with more than 15
years of experience in writing financial content, including
those related to credit cards, mortgages, stocks, investments,
and funds. He has been with RNCOS, a premier financial
writing services company, for 2 years as head of financial
writing. He is also a regular financial columnist with
renowned business journals. For your comments on the
article and further financial assistance, please contact
our staff writer at info@rncos.com.
Article Source: http://EzineArticles.com/
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Credit Cards, Free, objective information articles and rate quotes for consumer bank products such as mortgage rates, home loans, CDs, auto loans.
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