One of the key decisions you'll make when it comes to choosing and using a credit card is whether you will pay your bill in total every month or just pay off part of it. |
Credit card holders often are surprised when they get socked with some unexpected fees, or discover when that first statement comes that their interest rate isn't what they anticipated. |
Some are downright dishonest, some are offering products that really don't stand up when you put a spotlight on them. |
Not only can you find card deals on the Web, sign up for them and have your card in the mail to you the same day, you can also take care of card business online. |
OK, so now you have your credit reports and wow -- there are an awful lot of numbers, abbreviations and terms you've never seen before. Trade lines, charge-offs, account review inquiries -- how do you read this thing? |
With all the stories written about students and the perils of credit card debt, it's easy to forget the upside of signing up for a credit card as a college student, namely establishing credit. |
It's not difficult to get rid of mistakes, just time consuming. As the wheels of correction grind slowly, there may be weeks -- or even months -- of phone calls and exchanging of real mail or e-mail. |
Sure, you pay the finance charge on your bill, but do you understand how the credit card company arrives at the number? |
Understanding how your credit card company assesses finance charges and penalties can save you hundreds of dollars. Bankrate expert Dr. Don Taylor answers some of the more frequently asked questions on these charges. |
Being late is going to cost you, big time.
With credit card late fees at $39, this is no time to be the least bit tardy with your card payment.
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