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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.

Finance Charge. Interest, transaction fees and service fees.

But consider this, from a flyer that Discover distributes to new credit-card holders: Whether you are considering your first card or your tenth, make sure you fully understand the commitment involved. Your tenth? Are they raising the idea of owning ten cards? To kids? A Discover spokesperson says it was meant as a hypothetical example, not to be taken literally.

How do cash advances from a credit card work?

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.

Decide just how valuable these services are before you sign up with a card. If they are super convenient it may be worth paying a little extra for the card as you trade money for time.

You may use either your married name or your maiden name or both when applying for credit.

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Credit Line. Same as credit limit.

How do I get the best credit card deal?

Car Rentals: The potential problem here is similar to the case above with hotel reservations. Car rental companies will place a hold on your account for an amount over and above the actual cost of the rental to insure them against possible damage to the vehicle you rent. But the advantages of using a credit card for car rentals can be many. The perks include free road service, discounts at particular rental agencies, cash rebates and car-rental insurance.

Some credit card plans allow the issuer to change your APR when interest rates or other economic indicators — called indexes — change. Because the rate change is linked to the index’s performance, these plans are called variable rate programs. Rate changes raise or lower the finance charge on your account. If you’re considering a variable rate card, the issuer must also provide various information that discloses to you: that the rate may change; and how the rate is determined — which index is used and what additional amount, the margin, is added to determine your new rate. At the latest, you also must receive information, before you become obligated on the account, about any limitations on how much and how often your rate may change.

Cash advances -- Most people think of a cash advance as being a withdrawal against a card from the ATM. But these things don a couple of disguises. The checks that sometimes come attached to your monthly statement are cash advances, as are some balance transfers. Cash advances carry weighty costs. Card companies typically charge a fee of 2 to 4 percent of the amount advanced and impose a higher interest rate than they do on regular charges.

Cash Advance. You can use your card at a bank or an automatic teller machine to get a cash loan. The interest rate for a cash advance is typically higher than it is for purchases, and there is usually no grace period. There can also be a handling fee for withdrawing cash in addition to the interest charges, which can raise the cost significantly.

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.

1See Terms and Conditions. 2Online Banking is only available in certain states. 3Certain exclusions, restrictions and limitations apply. Details available when you become a cardmember. Bank of America® Visa® Platinum 8.9% Fixed APR for Balance Transfers

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.

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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.

Credit Card Terms

Comparing Interest rates If you do not intend to pay off your credit card bill in full each month you will need to consider the interest rates the various credit cards charge. Below are some important points to consider:

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Discover® and American Express®: The two most popular alternatives to VISA and MasterCard are the Discover Card and the American Express Card. The former is a product of the Greenwood Trust which is owned by Dean Witter & Co. It does not have the international acceptance of VISA or MasterCard, but it continues to grow in popularity in the United States. Unlike the two most popular card companies, the company does directly issue the Discover Card rather than going through a network of banks. The American Express Card is accepted worldwide but is not as pervasive as VISA or MasterCard for two reasons: firstly, the company is quite exclusive in its acceptance of members and secondly because the fees it charges merchants for the priviledge of accepting its cards leads many establishments not to accept it altogether. But American Express has evolved into a wide ranging and versatile financial services company and offers a growing variety of credit card types, benefits and financial services such as loans and banking.

Credit Counseling. Advice given by professional counselors to people about how to use credit responsibly and how to get out of serious debt.

Prompt Credit for Payment. An issuer must credit your account the day payment is received. The exceptions are if the payment is not made according to the creditor’s requirements, or the delay in crediting your account won’t result in a charge.