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Subcribe to Articles RSS FeedCredit Card Frequently Asked Questions
Who is an authorized user vis-à-vis a principal cardholder?
While the principal cardholder is someone who primarily owns a credit card account, an authorized user is a person who is added to the principal cardholder’s credit card account and given a credit card issued in his/ her name.
While the principal cardholder is someone who primarily owns a credit card account, an authorized user is a person who is added to the principal cardholder’s credit card account and given a credit card issued in his/ her name.
What does Annual Percentage Rate or APR mean?
Annual Percentage Rate (APR) is the interest rate that is paid by the cardholder on the balance, which is brought forward by him/ her on a credit card. APR is commonly calculated and applied on a daily basis.
What does an introductory APR rate mean?
Many credit card companies these days offer an introductory APR, which is an interest rate given to new customers for a specified duration. Introductory APR is generally very low, as much as 0% in many cases, which applies to any combination of purchases, balance transfers and cash advances as detailed by the credit card issuer.
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Blue from American Express®
Many credit card companies these days offer an introductory APR, which is an interest rate given to new customers for a specified duration. Introductory APR is generally very low, as much as 0% in many cases, which applies to any combination of purchases, balance transfers and cash advances as detailed by the credit card issuer.
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Blue from American Express®
What is the difference between a fixed and variable APR?
As the name suggest, fixed APR does not change over time unless there is a long-term economic factor involved. In sharp contrast, a variable APR is attached to another rate such as prime rate or Treasury bill rate that eventually fluctuates or changes the APR on daily basis.
What does prime rate mean?
Prime rate is an interest rate determined by the Federal Reserve, which is based on a variety of economic factors. Banks may use the prime rate to determine the interest rate given to their customers, so as to render it as an incentive for higher credit rating.
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Pulaski Bank Visa®/MasterCard®
Prime rate is an interest rate determined by the Federal Reserve, which is based on a variety of economic factors. Banks may use the prime rate to determine the interest rate given to their customers, so as to render it as an incentive for higher credit rating.
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Pulaski Bank Visa®/MasterCard®
What does prepaid debit card stand for?
Prepaid debit card is an effective solution to replace customer worries about having to carry money or a checkbook around or even seeking credit card approval etc. Further, the prepaid cards do not invite any debt, unlike credit cards, as there is no credit card payments involved, including no interest charges. Many prepaid debit card issuers today report history to credit bears.
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Wired Plastic™ Prepaid Visa® Card
How to cancel a credit card application?
In order to cancel your credit card application, you must contact the credit card issuer on one to one basis.
In order to cancel your credit card application, you must contact the credit card issuer on one to one basis.
How does a credit card help in lowering gas bills?
Similar to the cash back rewards programs, the gas rebate credit card allows you a reverse credit of a certain percentage of the money you spend by the end of the month towards gas.
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Chase PerfectCard™ MasterCard®
Does applying for a credit card affect my credit?
Indeed, applying for too many credit cards arouses concern in the minds of issuers as they come across the alarming frequency of the inquiries in your credit status with the respective credit bureau.
Indeed, applying for too many credit cards arouses concern in the minds of issuers as they come across the alarming frequency of the inquiries in your credit status with the respective credit bureau.
Are there any hidden costs associated with credit cards?
No, credit cards do not entail any hidden costs, except for annual fees, application fees or late fees etc which can be found in the stipulations for each particular card. It is always recommended to read the stipulations in fine print thoroughly too fully understand all costs involved with a particular credit card.
What do I do in case my credit card is lost or stolen?
To begin with, you must contact the financial institution that issued your credit card so as to close the credit card account, and hence prevent any transactions from being charged to the account. There upon you will be issued another credit card with a new account number.
To begin with, you must contact the financial institution that issued your credit card so as to close the credit card account, and hence prevent any transactions from being charged to the account. There upon you will be issued another credit card with a new account number.
What is the difference between sub prime and prime?
While sub prime describes a market sector characterized by consumers with damaged or no credit, prime is used to describe a market sector characterized by consumers with good or excellent credit.
What is a grace period?
A grace period refers to the duration of time past a credit card bill in question, on or before due date, during which non-payment does not invite interest fees on the balance due, provided the total balance is paid within the grace period.
A grace period refers to the duration of time past a credit card bill in question, on or before due date, during which non-payment does not invite interest fees on the balance due, provided the total balance is paid within the grace period.
What is a smart card?
Credit cards embedded with microprocessor chips, which is capable of carrying out a variety of tasks, is called a smart card.
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Credit Repair Guide - 4-3-2007
We are proud to say that we have decided to release a collection of articles that make our new Credit Repair Guide. This guide is provided free of charge, however we have password protected it to prevent the guide from being distributed without authorization. To get your copy and the password visit our Credit Repair Guide page
Credit Report Basics - Part 1
What is your Credit Report?
Why is it so important?
These are a couple of the numerous questions commonly asked about Credit Reports. With the importance of Credit Reports in today's financial dealings it is imperative that a person knows the answers to the questions posed above.
So what is your Credit Report? Simply put, your Credit Report is a report card of your financial standing. If you have never actually seen your credit report you might be in for a bit of a shock at the amount of detailed infor...
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Copyright 2007 LazyD Creations