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Credit Card Tips

You can negotiate with your an existing card issuer for a lower rate. Call customer service and ask!
Shop around for the plan that best fits your needs; Low annual fee if you pay in full, low interest rate if you carry a balance. 
Make sure you understand a card’s terms before you accept the card. 
Pay bills promptly to keep finance and other charges to a minimum. 
If you pay late your APR can be raised!
Hold on to receipts to reconcile charges when your bill arrives. 
Protect your cards and account numbers to prevent unauthorized use.
Draw a line through blank spaces on charge slips so the amount can’t be changed.
Tear up carbons. 
Keep a record, in a safe place separate from your cards, of your account numbers, expiration dates, and the phone numbers of each issuer to report a loss quickly. 
Carry only the cards you think you’ll use.

Credit Card Information

What is APR?

The APR is a measure of the cost of credit, expressed as a yearly rate. It also must be disclosed before you become obligated on the account and on your account statements. The card issuer also must disclose the "periodic rate" — the rate applied to your outstanding balance to figure the finance charge for each billing period. 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:
1 .When the rate may change
2 .How the rate is determined
3. Which index is used.
4. What additional amount, the "margin," is added to determine your new rate. 
5. About any limitations on how much and how often your rate may change.

What is Grace Period?
A free period where no finance charges accrue, also known as a "grace period." A grace period lets you avoid finance charges by paying your balance in full before the due date. Knowing whether a card gives you a grace period is especially important if you plan to pay your account in full each month. Without a grace period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. If your card includes a grace period, the issuer should mail your bill at least 14 days before the due date so you'll have enough time to pay.

What is Finance Charge?
Finance charge is a fee charged (interest) by the issuer of a credit card beyond the grace period. It is charged if you choose to pay for purchases or cash advances over time. It is important to know what method the issuer uses to calculate your finance charge. This can make a big difference in how much of a finance charge you'll pay over time. Finance charges are regulated by state and Federal law. The lower the finance charge, the less you will ultimately pay for a purchase over time.  credit cards

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