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Cardholder Protections Federal law protects your use of credit cards.

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Finance Charge. Interest, transaction fees and service fees.

Previous Balance. This is the amount you owed at the end of the previous billing period.

In Kids, Cash, Plastic and You, prepared for parents by MasterCard and the U.S. Office of Consumer Affairs, all it says about credit-card bills is that repayment can be made in installments, over many months or even years. Nowhere does it hint that you can (and should) pay every bill in full. A MasterCard spokesperson insists that, taken as a whole, the booklet gives people a full understanding of how interest works.

And if you do sign up be sure the company offering them is the right one (i.e., do they come directly from the card issuer?). If not, contacting the card company to be sure the cards are authorized.

Charge Card. One major difference between credit card and charge card is that charge card must be paid in full every month. An example of a charge card is American Express card.

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Gold or Platinum These are usually for the higher earners, offering higher credit limits and other benefits. They are sometimes thought of as a status symbol.

3) A Debit card forces you to limit your spending and avoid credit card debt. This prevents you from falling into the typical credit card trap of only making your minimum monthly payments and thus having to pay huge interest on outstanding balances which can put you in a financial hole.

To help avoid finance charges, follow the issuer’s mailing instructions. Payments sent to the wrong address could delay crediting your account for up to five days. If you misplace your payment envelope, look for the payment address on your billing statement or call the issuer.

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Two-cycle Balances. Issuers sometimes use various methods to calculate your balance. This is just another computation method that credit card issuers use to calculate account balance. This balance is calculated by taking the sum of the average daily balances for two billing cycles. The first balance is for the current billing cycle and the second balance is for the previous billing cycle.

Debts on joint accounts Q. How do I keep my ex from running up credit card debts on a joint account?

Introductory APR. A temporary interest rate (expressed as a yearly rate) offered by card issuers to introduce you to their services. It will usually go up after a certain amount of time (usually 6 months).

As the owner or potential owner of a small business, there will come a time when you will need to make a variety of purchases/expenditures. Whether it’s for inventory, equipment, promotion, or travel, a business credit card can work for you. Many business credit cards are now aligned with the wide variety of frequent flyer and similar reward programs that add an extra bonus to the mix. You’ll want to make your selection wisely and will need a clear picture of what’s best for your business. Most importantly your business credit card must be affordable. A wrong choice could mean larger debt than you expected or budgeted for not to mention possible impact on your credit rating. A wisely chosen business credit card serve you, your clients and your business well.

The great thing about owning one of these accounts is that you will be able to make online purchases. When you apply for a Visa you will be opening up yourself to a whole new shopping experience. The reason why there are so many free credit card company applications available online is because there is such a growing demand for them. This is partly because of the explosive growth of e-commerce and shopping sites on the web.

Affinity Card. A credit card endorsed by groups such as colleges, sports teams, professional organizations, or special interest groups that are offered to their alumni, fans or members.

Finance Charges: The term sounds confusing, but this is actually the most obvious of the charges on a credit card account. It is the interest charge on your account balance based on the fixed annual rate.

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