Some credit cards do offer 0% on new purchases or even cash advances. One must always be wary of the terms and conditions of any credit card offer you take on. Sometimes a person may apply for a specific card and be issued such card without realizing that it offers 0% interest on balance transfers only, and then they experience the problem of paying back the interest with the debt  .

There are cases where people have been issued a credit card that offered 0% interest on balance transfers, and when they made the transfer, they had a large sum of money to be paid. This is why it is vital to read the terms and conditions before you sign and check them out again once you receive the card.

In today’s society it is very easily to live off credit, but very difficult to get rid of the outstanding debt. Often the debt we have is held at a very high interest rate which means that each month we are continually paying back loads of interest and very little of the debt gets paid off. The one solution to this problem is to opt for a 0% credit card.

It is of utmost importance that you realize that these cards offer 0% interest on balance transfers, or new purchases, or cash advances, but rarely all three. There are people who have been caught out by this and have made new purchases under the assumption that they would also be at 0% interest. It is hard to learn things the hard way. I cannot stress this more, read the terms and conditions!

The 0% interest introductory period is exactly that, meaning that for a certain period of time, you will either pay 0% interest on your balance transfer, new purchases, or a cash advance. Generally this period is between 6 and 12 months. There are some credit card companies that offer 0% only for 3 to 6 months, while others offer it up to 15 months. It often depends on your credit score. For example, if you have a poor credit score because you are unable to make payments on time each month, chances are you will not qualify for 0% interest for 12 months. It may be a shorter period of time, or maybe the interest you get is higher than 0%.

A point to note when looking for 0% credit cards is that you need to check on a number of things in the offer. Firstly, how long is the 0% interest period going to last, and what is the APR (annual percentage rate) once that period is over? Also check out what the annual card fee is. If you are going for 0% interest, then you should try to get a card that offers no annual fee. Another thing to remember is that if you make a late payment, the benefits you enjoy of the card (0% interest), will fall away immediately, and you’ll be charged a hefty interest rate.

People are often sceptical about taking on a new credit card when they have outstanding debt, but if you want to pay off the debt much faster, then 0% credit cards are definitely the way to go. Another reason for taking on such a card is to use it for a cash advance, which you then pay back at 0%. Obviously there is also the “need” people have for making new purchases.

If you are going to use your new credit card for a balance transfer, then use it just for that. Don’t make new purchases! You will only get yourself caught up in more debt.

People seem to have the wrong idea about credit cards. They can be good, if used in the right way. All too often we use them to live off the credit they offer. We need to be careful with our money and use credit cards wisely. Managing finances is not always easy, but a little bit of restraint and diligence is all that is needed.

One should look at your personal needs when looking for best rated credit cards, simply because your needs will change from time to time. This moment you might be looking for the lowest APR so that you can save money on those high interest bills. Then again you might be a thriving business person and needs to travel a lot, so a rewards program might be of huge importance. I have narrowed the specific fields down to the following:

Lowest APR Cards:

You will only stand to gain if you have a low APR. I mean you could save hundreds of dollars a year just by have a lower APR. But how does one get a lower APR? Well there is two ways; the first is by going to your current credit company. Asking them for a better APR since you have been such a loyal customer and you have been paying back on time all the time, then there is looking for another company and getting their balance transfer options and fees. That is where you start to do the calculations. You will need to ask some questions first, how long is the introduction APR for? What will the APR be after the introductory period ends? Is there a balance transfer fee? Now you have those questions answered you should have your lowest APR credit card. Sometimes it will not be the lowest APR around. For the simple reason being card companies add and take away options of certain key features, and balance transfer option is the one where they like to catch people. Low APR but charge a balance transfer fee or Low APR for 6 months then it goes up to double digit APR. Well luckily for you I have searched high and low and found these cards of interest, these will be my best rated cards.

Pulaski Bank Gold Visa

Pulaski Bank Visa

IBERIABANK Visa Classic

No Annual Fee:

Why should you pay for cards? I mean the interest they charge can sometimes be ridiculous. None the less they charge. So if you feel like doing away with that charge I have searched high and low once again for the best rated credit cards. Some of them might even come with a low APR which is a serious benefit, here is the list below:

Bank of America WorldPoints Platinum Plus Visa

Bank FIRST Wired Plastic Prepaid Visa

IBERIABANK Visa Platinum

First National Bank of Omaha College Visa

Instant Approval Card:

These cards do not require security deposit and there are no annual fees as well. This can save you money in the long run, I recommend the following:

Palm Desert National Bank AccountNow Prepaid Visa

I hope this clears up all your questions! There is just one more thing that you need to remember that your FICO score plays a role in your APR and on which card you can apply. So remember that before applying for the best rated credit cards. It is easy to do a credit card application online, don’t worry it is safe and fast. You could have a response in as little as 60 seconds.

There are many pro’s and cons about credit cards for teenagers that many parents don’t know whether they should get their teen a credit card or not. Everybody is entitled to their own opinion, especially through experience. The following article merely suggests ways in which you can check to see if your teenager would cope with a credit card and not overspend.

Firstly your teenager should at least have been making use of a bank account of some sort. There are savings accounts and then check accounts where you have a debit card. Some banks will issue teenagers check accounts easily while others won’t. You will have to check out the different options available. With a check account your teenager can learn how to write checks, balance his/her check book each month, and keep his/her check register up to date.

Before opening a regular credit card for your teenager, it would be advisable to open a prepaid credit card first. This card works a little differently to a credit card in that it does not have revolving credit. You deposit money into the account and then purchases can be made with the card, where the money comes off the balance in the account. You do not have to worry about your teenager overspending. The good thing about this type of card is that unlike the a debit card, it actually does help your teenager’s credit history. Make sure to choose the card that has a credit-builder program linked to it. You pay a little fee at the end of the month, which is reported to the credit bureau, thus raising your teenager’s credit score.

If you make an agreement with your teenager and tell him/her that the money in that account is for emergencies only, you can check in a few weeks if there is any money left. If your child has spent all the money, then you know that he/she is not ready for any type of credit. However, if there is still a fair amount of money available on the card, then your child may be ready for another test.

Some say you could add your teenager on one of your existing credit cards that has low or even no revolving credit to see how he/she would manage spending on it. The nice thing about both of these options is that your child actually has no real credit to work with, and won’t damage your credit history either. One of the problems with adding your teenager on one of your credit cards is that he/she may be irresponsible can cause a lot of debt that you have to pay off and it will definitely damage your credit score. If your teenager has shown that he/she can manage finances, then there is the possibility of you giving them their own credit card.

If your child is of the working-age, you can look into a student credit card or possibly, a secured credit card. The latest credit cards aimed specifically at teenagers have no annual card fee, but have a fairly high APR (annual percent rate) of 19,8% that is fixed. With these cards, the credit limit can be as low as $300 or as high as $1000. For teenagers it would be preferable for a low credit limit, in case problems do arise. As a parent, you will have to co-sign for the card. Your child will receive the monthly statement, but it will ultimately be you that is responsible for the payments.

You could also get your child to write a check to deposit into the account, instead of you. In this way, your child will learn more and benefit more from the credit system. Be aware of your child’s spending habits. Not everyone can manage a credit card. If the credit limit on your teenager’s credit card is relatively low and something goes wrong, a learning experience should emanate. Your teenager can see learn overspending affects minimum payments and paying off interest. Rather let your child make a mistake when it won’t affect their credit score as you’ll be sorting out the account, rather than have problems occur when your child is an adult and sit with bad debt.

Teach your child how to manage his/her money effectively, but showing him/her the ropes. Your financial habits will affect your child’s financial habits. Make the right choice for your child.

How will you use your credit card

• Will you be paying off your credit card balance every month? If so then a rewards program with no annual fees is what you should be looking for.
• If you carry over a balance from month to month. Then you will need to look at a credit card that offers a low APR or Interest rate.
• Will you be using your card to get cash advances? If so you need to look for a credit card that carries a low APR and low fees on cash advances. Most credit cards charge higher APR on cash advances, some even start charging interest immediately on cash advances

APR Differences:
Annual Percentage Rate(APR) is the way the credit card companies way of stating the interest rate you will pay carry if you carry a balance, take out cash or transfer a balance from one credit card to another. The APR is basically the interest rate per year.

• One APR for purchases, for balance transfers and for cash advances. The APR for cash advances is usually a lot higher than for normal purchases. (10% on Purchases 19.5% on Cash Advance and 17% for balance transfer.)
• Tiered APR; for different balances different APR are charged (16% if you owe up to $1750 and 18% above $1750)
• Penalty APR: If you make late payments twice in a row. Your APR agreement you had will be cancelled, a higher one will be charged.
• Introductory APR: After a certain time period that you agreed upon, that introductory APR will end and a new one usually a higher one will be charged.
• Delayed APR: 0 APR until next October. You will need to look at the APR after October.

Fixed and Variable APR:

• Fixed APR will hardly change over a period of time, but if they do change the credit card company will have to notify you before they can increase the fixed APR.
• A variable APR can change from time to time; this rate is tied to the prime rate/treasury bill rate. If that changes either up or down, so will your APR rate.
• All these details are in your terms and conditions agreement when applying for a credit card.

Grace Period

• This is the number of days you have to pay your outstanding debt, free of any interest charges and that you have paid your previous balance in full. The number of days varies from Credit Card Company. Cash advances and balances transfers are not given grace period as theses are charged interest immediately.
• If you have a balance from the previous month you may not have a grace period for your new purchases. You may be charged interest as soon as you make a new purchase and you will be charged interest on the earlier balance. You will need to look at your terms and agreements on “How is the finance charge calculated?”

How is the Finance charge calculated?

· A Finance charge is amount you pay to use credit, it will vary since it is calculated on your outstanding balance and the APR

• Credit Card Companies have several ways of calculating these charges
• Over one billing cycle or two
• Using the adjusted balance, the average daily balance or the previous balance
• Including or excluding new purchases in the balance

· Depending on the balance you carry forward and when you purchase and the payments you make you will have the best option if you take the one cycle billing and either

• the average daily balance method excluding new purchases,
• the adjusted balance method or
• the previous balance method.

Minimum finance charge:
Some credit cards will charge a monthly fee this will be listed in your terms and conditions

What are the Fees?

• Annual fees
• Cash advance fee
• Balance transfer fee
• Late payment fee
• Over the limit fee
• Credit limit increase fee
• Setup fee
• Return item fee
• Other fees not said here.

All these fees are in the terms and conditions of the credit card you are applying for. They will tell you exactly how much you will be paying for each of these fees mentioned above.

What are the Cash Advance features?

Some credit card companies will allow you to borrow cash advances, but will treat it differently to a regular purchase. These are the things you need to know about.

• How to get cash advance: Either by ATM or ask for a check
• APR is usually higher than a regular purchase
• Fees are added on top of the higher APR
• Limiting Cash advance to a dollar amount, per week and percentage of available credit limit.
• Your payments are either credited to purchases then cash advances. Check your terms and conditions on how you will be treated

What kind of card is it?

• Secured credit card: Will require a security deposit, credit card company will then borrow you sometimes 50% of the total security deposit you made. This type of credit card is usually offered to people who have bad credit
• Regular credit card: This credit card is un-secured credit which is higher than secured credit limits no need for a security deposit.
• Premium credit cards: Usually higher credit limits than regular credit cards. They also brand then with word like Visa Gold, Visa Platinum or Visa Titanium. They also have many other products added on to them.

What Incentives and Features are offered?

• Cash Back
• Frequent Flier miles
• Gift Certificates
• Car Rental Insurance
• Travel Accident Insurance
• There are other products they offer but that will be at an extra cost to you.

Where is the Information about Credit Cards?

• You will find it on the internet, magazines and newspapers.
• The federal Reserve system surveys credit card companies every 6 months
• Under Federal Law, all solicitations and applications for credit cards must include certain key information, in a disclosure box similar to the one below

So compare tables from different credit cards and then you will get to see the real difference between credit card offers.

Liability Limits:

If you credit card is stolen or lost and then is used by someone without your permission you do not have to pay more than $50 of those charges. This protection is provided by the Federal Truth in Lending Act. You do not need to buy this so called Credit insurance to cover amounts over $50.

I hope this will clarify a lot of things, when you are looking to apply for a credit card.

It was however, first used as a way of selling gas to an ever-increasing number of vehicle owners in the United States of America in the 1920’s. These cards were initially known as charge cards and in time various companies allowed the use of different cards. In the early days it was quite easy to falsify a credit card, as a number of these cards were printed onto a type of card, and not plastic like they are today.

During the 1930’s and 1940’s another form of the credit card occurred. It was known as the Charga-Plate and was made of a fairly small piece of metal, which had the owner’s name, city of residence, and the state in which that person lived imprinted into it. It also contained a small piece of card for a signature. Only the large retailers made use of these, and they were only issued to their everyday clients. Most often, the Charga-Plates were kept at the store.

In 1950 Ralph Schneider and Frank X. McNamara founded Diners Club. This allowed people to use one card instead of many. The difference between modern credit cards and the Diners Club card is that the Diners Club card had to be paid in full each and every month. No credit as such existed then.

The next card to come along was Carte Blanche and then American Express in 1958. American Express led to the creation of a global credit card system. The Visa system also came into existence in 1958 via Bank of America’s BankAmericard. MasterCard came into the world in 1966 when it was first known as MasterCharge.

Due to the specific banking system in the United States of America, credit card usage began to soar, as travellers around the country were able to take their credit with them as they went, as they could not make immediate use of their own banks.

From there, the U.K. has their first credit card released in 1966. Many other countries did not take to the credit card system due to various reasons such as bank reliability, or in some instances people preferred using cash.

In more recent years there has been the development of using microchips in built into the credit cards in order to limit credit card fraud. There has also been the establishment of Affinity cards where cards are linked to certain features and a specific group or company benefits be means of it.

Generally, the more money you earn, combined with the amount of spending done on a credit card allows for a higher credit limit.

Another way that Cash Back credit card is king is for the simple reason is that it is simple. How can the credit card companies make it more confusing they can’t. I mean it they can do it with air miles only limiting you when you can fly or you have to reach a certain number of points before you can fly. So they have the power to change it to suite them, but with cash it is simple spend money on the card and earn 5% cash back. Ok the only catch that there might be is that they only limit it to certain purchases. But at least you will know this before you make a purchase. They tell you 5% on all your gas purchases but only 1% on your drug store and groceries purchases. So at least you know that not like air miles where the rules will change from time to time and unknown to you. There is another catch I have seen credit card companies use now with the cash back credit card, and that is they limit the 5% cash back reward to a certain period like 3 months or a year. So be on the lookout for those credit cards, if you are not sure ask the question until you get the answer you want. They tend to tell you in an advert that they offer you 5% cash back, just be careful because it might be the credit card that is the top of all the credit cards they are offering. They tend to put a higher APR% on these type of cards otherwise you know the credit card company does not make any money, shame poor them. Then the one benefit that kills me and I do not understand why they limit it, but they do for instance you can only claim $2,000 per year for example and if you reached that in 6 months well unlucky for you. The rest of the year the credit card company smiles and you don’t.

Ok enough doom and gloom, let me give you some tips on how to get the most of your Cash Back Credit Card. Why not put your household expenses on your cash back credit card like cable,phone,electricity. Remember to choose a cash back credit card that you are going to make use of, like maybe your favourite clothing shop and the gas station you use a lot. Have your wife on a secondary card so that you can maximised the cash back reward when both of you spend.

I am going to tell you about the top Visa Credit Cards in their different categories. I will try not to make it too technical, more of an overview on the Top Visa Credit Cards. I will start from the top, the top being if your credit score is excellent. Then I will go for average credit score, ok credit then bad credit. Don’t stress if you do not know your credit score. There are a number of companies that offer the service of checking your credit score. But did you know it is law that you are entitled to a free credit check once a year? Yes free credit check. So what I suggest is go to the following sites choose one you feel comfortable using ok.

· Equifax

· AnnualCreditReport

· MyFico

· Experian

Ok since we have your credit score let us put it into context for you when applying for a Visa Credit Card.

Credit Score Classification:

Score= 0 No credit score will not be able to qualify.( But you can Try)
Score= 350 to 619 Poor Credit Score could still get something
Score=620 to 659 Fair Credit score can get something of value.
Score=660 to 749 Good Credit Can demand things here
Score=750 to 850 Excellent Credit, Can get just about anything.

Best Card:

Capital One – Platinum Prestige – Visa

• · 0% Intro APR until October 2009

• · 8.9% APR on Purchases and balance Transfers

• · No Annual Fee

• · Apply today you could have this card in 48 Hours

• · Credit Limit: $500 to $ 20,000

• · Transfer Fee: 3% per Transfer

I hope that makes you want to go and get one. Click Here if you want one.

Average Credit

Capital One – Classic Platinum – Visa

• · 0% on Purchases until May 2009

• · Annual Fee $19

• · Variable APR, currently at 14.9%

• · No balance transfer fees

• · $0 Fraud Liability if your card is ever lost or stolen

• · Credit Limit $300 – $ 3,000

I hope that that explains everything, so you want one? Click Here to get one.

Limited Credit

Capital One – Orbitz – Visa Platinum

• · 0% APR on Purchases until February 2009 after that 22.9% variable

• · No Annual fee

• · Earn Point Rewards! ( Travel, Cash Back and Gift Cards)

• · Transfer APR = 22.9%

• · Credit Limit $ 300 – $3,000

This is an awesome card to have you can earn serious points here. Click Here to get it!

No Credit

Capital One – Platinum - Visa

• · 0% APR on Purchases until May 2009

• · Variable APR, Currently 8,9%

• · No balance transfer fees

• · Annual Fee $39

• · Credit Limit $300 – $3,000

I hope you now understand how the Credit Card Company work. They need to know your credit score and so should you!

So which card are you Applying For?

So if they offer you a 0% APR or interest rate it is usually just for a brief period of time. When the 0% APR time period is over, I promise you it will be between 8% and 24%. The factors that determine your APR will be your credit score (FICO) in the end. So if the rate is low it will be easier for you to pay off your credit card debt, the higher it is the longer it will take.

So why not ask for a fixed rate? This will again vary from each credit card company to next credit card company. But if you ask them I am sure they will be willing to give you a fixed interest rate. But just be aware if they give you something they will want something in return. Remember to read the fine print before signing off on the fixed interest rate. Maybe the solution would be to ask for a lower variable interest rate!

Credit Card companies will offer you a low interest rate but their other fees might be a lot higher than anyone else. So it will make sense for one to compare the whole credit card package not just the low rate credit card. Let me give you an example; you already have a credit card with a outstanding balance of $2 000 you see that a specific credit card company are offering a 0% APR for 12 months. You think great deal as you start to apply they make you aware that they will charge you 3% for balance transfer and your APR after 12 months will be 9,5%. Now what you will need to work out is that will that 3% balance transfer fee be worth it? Also what is your current credit card APR %, will you save enough money to pay off your debt in 12 months even with the costs incurred? If you have done the calculation and you could pay off your credit card debt in the 12 months even with the 3% balance transfer fee. Then by all means do it. But if you cannot then I suggest heading back to your current credit card company and asking them for a lower APR %. Sometimes you will need to think things through very carefully, before swopping credit card companies. For the mere fact that they offered a low rate credit card offer that was too good to be true.

Firstly if gas prices have been breaking your budget, if you switch over to a cash back rewards plan you could save between 2% to 5% on all your gas purchases at your favorite gas station, this could save you some real money and the end of each month. If you choose a branded gas company card they charge you a higher interest rate than if you choose a major Credit Card Company. Also be aware that brand specific cards from gas companies will only offer rewards at that specific gas branded stations. These cards are very limiting since you might not get the lowest price on gas.

Secondly Cash back rewards and rebates, make sure you choose a Credit Card that gives you rebates and rewards on all your purchases including groceries, hardware purchases and even movie tickets. But remember you will not get the same percentage reward as you would get for Gas, for all other purchases they only offer 1% rebate or cash back. They usually pay it back into your credit card or send you a check.

Thirdly some Gas Credit Cards offer you a combination of rewards such as Travel and Gas. They say something along the lines like this, for every $1 spent on Gas they give you back 3 miles for Air travel and for every other $1 spent on normal purchases equal to 1 mile. Yet this reward system might not benefit everyone but for those who drive and fly a lot this might be the card you need.

Now these Gas Rewards systems I have explained usually benefits consumers who pay off their outstanding credit card balances at the end of each month. Because if you think about it logically you will reap the benefits from having the correct Gas rewards card. Also make sure you choose a Credit Card with no annual fee. This is the long run can save you lots of money even if it seems very little right in the beginning.

So all these Credit Card Gas rewards programs can only be accessed if your credit score is intact, meaning that you do not have bad credit. It might also be you have no credit history. But you could choose the unsecured credit card if you have a bad credit score. There are nearly always ways of getting a credit card even with a bad credit score. Just might mean you do not get all the benefits if your credit score is good. If you need to know your credit Score I suggest you go to the following web site and check it out, also it is free for the first month TrueCredit by TransUnion

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Ways to improve your chances as being approved:

• Student credit cards. Credit card companies often target college students, making it easier for them to be approved for a credit card. Be careful though as these companies will probably try to hound you to apply for more credit cards, making it that much more difficult to manage your finances.

• Try the bank that you already bank with. It is very time-consuming applying for a credit card through a number of different banks. If you already have a saving or checking account with a specific bank, your existing relationship improves your chances of being approved of a credit card, as long as you’ve been a responsible client in the past.

• A department store or gas credit card. Some companies like department stores and gas companies approve credit cards a lot easier than a typical bank, which can make applying for your first credit card a lot simpler. The problem with this is that these companies often have a very high interest rate, so if you’ve spent money that you don’t have via your credit card, you’re going to pay back much more than on a regular credit card.

• A secured credit card. There is another option and this is the secured credit card. Here you will have to pay a deposit into the credit card equal to the limit amount. Then you can start using it as a credit card. If you can’t make your monthly payment, then the bank will take this deposit.

Some things to think about if you want to apply for your first credit card:

• Do you have a permanent job with a fixed monthly salary? You’ll need this to be able to pay back the credit card if you use it, and it is a requirement from the credit card company’s side. Unless you’re a college student where your parents or guardian will be in charge of your credit card.

• Do you think you’ll be able to not spend more than the limit? Will you be able to make the monthly payments on time? If you can’t make your payments on time each month your credit c\rating will drop and the interest you are charged will probably increase.

• What is the main reason behind wanting a credit card? Some people use the credit card wisely; in a way they can improve their credit rating. If you want a loan from the bank to buy a house you need a good credit rating. Do you want to be able to spend randomly whenever you want, or do you want the convenience of having credit?

Various credit card terms you should know:

• Annual Percentage Rate (APR)- This measures the yearly cost of credit. It takes into consideration the interest rate, service charges, loan fees, and so on. It would be a good idea to look at different credit cards and compare their APR to determine a good offer. The lower the APR, the lower the credit cost.

• Annual Fees- A number of credit card companies charge a yearly fee whether you have spent on your credit card or not. Some companies don’t charge any yearly fees at all. If the credit card company does not charge a yearly fee, then the APR is generally higher. You should always check whether or not the credit card option you are choosing has a yearly fee or not and also what the APR is.

• Grace Periods- Some credit card companies offer 21 – 30 days grace whereby you have that amount of time before you need to start paying back what you’ve spent. Some credit card companies however, don’t offer any amount of grace and you’ll have to start paying back what you’ve spent straight away until you’ve finished paying off the outstanding amount.

• Other Fees- Make to sure to be aware of the smaller fees that you can be charged. For example, how much will the credit card company charge you if you make a late payment? How much will you be charged if you spend more than your limit on your credit card? Often it is the smaller costs that add up to what we cannot afford to pay.

Make sure you never exceed your credit limit and ensure that you can always pay back your debt.

Click Here Now To Apply For A Visa Credit Card

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