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Looking for a better credit card? Check rates in your area.

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.

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Guide to Managing Credit -- Whether your credit is stellar or in the cellar, our guide will make it better. FAQ about credit cards -- Sixteen of the most frequently asked credit card questions.

Most major credit card issuers are based in states without usury laws and without interest rate caps on credit cards. Banks and credit card issuers based in these states can charge any interest rate they wish -- as long as the rate is listed in the cardholder agreement and the borrower agrees.

What type of credit card? There are various types of credit card, other than standard cards, that you may want to choose between.

But before you do, understand fully what each little online offer means. An online credit card bill payment may actually take longer, or cost more, than a snail mail payment for example.

Both the minimum monthly payment and the account balance are stated on the credit card statement. The monthly minimum percentage can be calculated by dividing the minimum monthly payment by the account balance.

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Over The Limit Fees: Most consumers who carry high credit balances do not pay their balances in full each month. This means that they are paying high credit card interest rates. When these interest charges accrue at compound rates, it is not that difficult to find oneself suddenly over their credit limit. Over the limit fees are steep, often as much as $25.00. If the over-limit status is carried on over different billing cycles, limit fees can be charged for each month.

Carefully read the description of the billing method the card company is using. Look for references that say you are being charged interest on a purchase made during a previous billing cycle. That interest has been accruing since the item was posted to your account.

Fair Credit Billing Act. This federal act protects many credit rights, including your rights to dispute billing errors, unauthorized use of your account, and charges for unsatisfactory goods and services.

Think twice about any offer to get easy credit. Be skeptical of promises to erase bad credit or to secure major credit cards regardless of your past credit problems. There are no easy solutions to a poor credit rating that’s based on accurate information. Only time and good credit habits will restore your credit worthiness.

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A good place to start: Go to our credit card search page and choose online cards from the top pull-down menu.

Two-Cycle (or Double-Cycle) Average Daily Balance Method.

Discover® Platinum Card Apply for a special No-Annual-Fee Discover® Platinum Card with all of these privileges: 0% Intro APR*, No Annual Fee, Up to 2% Cashback Bonus® award*, 100% Fraud Protection, Up to $50,000 Credit Limit, and Online Account access and bill payment. * Click here to see important information about the APR, fees, and other Important Information

If a marketer promises that a card is accepted at certain retail chains, verify it with the stores.

Rarely, however, can you improve your credit rating or get major credit cards by buying gold or platinum credit cards. Often the only major credit card you might get is a secured credit card that requires a substantial security deposit with a bank. In addition, many of these credit-card issuers do not report to credit bureaus as they promise, and their cards seldom help to secure lines of credit with other creditors.