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	Choosing and Using Credit Cards
		Without a free 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.
		Your balance is determined by subtracting payments or credits received during the current billing period from the balance at the end of the previous billing period.
		An affinity card issuer often donates a portion of the annual fees or charges to the sponsoring organization, or qualifies you for free travel or other bonuses.
	www.ftc.gov /bcp/conline/pubs/credit/choose.shtm (1968 words)

	Credit card - Wikipedia, the free encyclopedia
		The credit card may simply serve as a form of revolving credit, or it may become a complicated financial instrument with multiple balance segments each at a different interest rate, possibly with a single umbrella credit limit, or possibly with separate credit limits applicable to the various balance segments.
		The cardholder of a secured credit card is still expected to make regular payments, as he or she would with a regular credit card, but should he or she default on a payment, the card issuer has the option of recovering the cost of the purchases paid to the merchants out of the deposit.
		The major credit card companies have been accused of targeting a younger audience, in particular college students, many of whom are already in debt with college tuition fees and college loans, and who typically are less experienced at managing their own finances.
	en.wikipedia.org /wiki/Credit_card (5000 words)

	U-blog / chasecard / 2006/07/19 (Site not responding. Last check: )
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	FRB: Choosing a Credit Card
		Look for information on the credit card application and in the credit card agreement to see how often your card’s APR may change (the agreement is like a contract--it lists the terms and conditions for using your credit card).
		For example, the credit card company may say that you have “25 days from the statement date, provided you paid your previous balance in full by the due date.” The statement date is given on the bill.
		Some credit card companies charge a fee if you pay by telephone (that is, if you arrange by phone for payment to be transferred from your bank to the company) or to cover the costs of reporting to credit bureaus, reviewing your account, or providing other customer services.
	www.federalreserve.gov /Pubs/shop (2576 words)

	Low Rate Credit Crads! best low rate credit card (Site not responding. Last check: )
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	Best Credit Cards - Compare 500+ Credit Card Offers with 20,000+ Reviews
		Lurking among many other credit related myths is the belief that paying off credit cards may cause your credit score to decline.
		A high credit score is often the key to obtaining the best credit cards.
		introductory credit card rates as low as 0%.
	www.cardratings.com (1179 words)

	Debt Information - It's all about debt!
		...on the credit card, and suffer little or no loss, other then the minor hassle of having to wait for a new credit card to be issued (with a new number).
		The offshore bad credit cards can help you to re-establish your credit while allowing you the convenience of a credit card that is usually acceptable internationally....
		If credit cards are what you are after, the bank of america has some interesting credit lines for you.
	users.tpg.com.au /debt1 (3061 words)

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	Credit Cards
		Credit cards are a widely used source of convenient credit for restaurants, hotels, mail order, on-line shopping, gasoline stations, grocery stores, dental and medical care, church bazaars, as well as telephone and television advertised products.
		Notify the credit card company of the dispute, or the company may notify the credit bureau that your account is delinquent.
		If you consider the use of a credit card a very short commitment that allows you to buy something you don’t have money in savings to cover, you will be using credit in a way that will be a benefit to you.
	www.ext.colostate.edu /PUBS/consumer/09144.html (2554 words)

	frontline: secret history of the credit card: eight things a credit card user should know \| PBS
		According to credit card executives, the logic behind universal default is that the bank is not being unreasonable in raising rates when it has reason to believe that the risk of being repaid by the customer has increased.
		Your credit score is usually determined by five factors, with the most important being the amount you currently owe and your payment history on large debts.
		Even credit card executives and consumer advocates admitted to FRONTLINE that the last time they read their own contracts was years ago and the credit card agreement is difficult to understand.
	www.pbs.org /wgbh/pages/frontline/shows/credit/eight (1294 words)

	Pay Taxes by Credit or Debit Card
		This fee is in addition to any charges, such as interest, that may be assessed by the credit card issuer.
		Cards should not be forwarded to the IRS with the return or form.
		The IRS does not issue an immediate release of a Federal Tax Lien when a credit or debit card payment is made to full pay the tax liability. See Publication 1468 for the recommended payment option when an immediate release is necessary.
	www.irs.gov /efile/article/0,,id=101316,00.html (1232 words)

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	blogs.forumer.com /?w=credit (990 words)

	Credit Card
		You could call up each credit card company and ask them to explain to you all that they offer and what you need to do to qualify.
		Perhaps you are in need of a credit card balance transfer.
		With all the offers for a credit card you should research them all and then apply for the card that meets all of your needs.
	www.homewarehouseusa.com /credit-card.html (358 words)

	Credit Card Online - Apply for a Credit Card Online, Business Credit Card Online
		If you have not yet established a credit record for yourself or you are in the process of rebuilding your credit, getting a credit card can greatly help you.
		Nearly every major financial institution that issues credit cards now allows you to use the Internet to fill out their application online with complete security, submit it with the click of a button, and then count the seconds while they make their decision.
		And in most cases, if your credit is good to excellent, you will be approved instantly and a credit card will be on its way to you within days.
	www.creditcardonline.com (497 words)

	The Credit Card Prank II
		Every time you make a credit card purchase, they're supposed to match your signature against the one on the back of your card.
		Another recent development in credit card receipts is the helpful "tip reminder." This is a calculation on the bottom of the receipt of how much you should tip, with figures given for 10%, 15%, and 20%.
		When I got my credit card statement a month later, I found they had charged me the original amount of the bill.
	www.zug.com /pranks/credit_card (690 words)

	Credit Card
		If an individual is interested in having a credit card assigned to them, the requestor must complete an application, complete with Department Head or supervisors’ approval, and return it to the Department of Purchasing for processing.
		All cards are issued at the request of the department head or supervisor, and card usage may be audited and/or rescinded at any time.
		Anyone using the University credit card will be required to return all logs, with receipts, to the responsible individual in their department.
	www.uakron.edu /purchasing/CreditCardProgram.htm (1929 words)

	Compare UK Credit Cards - Credit card comparison (Site not responding. Last check: )
		Credit cards are a great way of helping to organise your finances and can provide financial flexibility and a range of rewards and cashback if used properly.
		There are 6 month 0% balance transfer credit cards, 9 month 0% balance transfer credit cards, cash back credit cards and a range of options available to meet your personal circumstances.
		If you are not redirected, please visit the new Credit Card Comparison page for the latest information.
	www.ukpages.freewire.co.uk /credit-card-comparison.html (137 words)

	Compare Credit Card Offers \| Apply for a Credit Card \| Online Credit Card Applicatons
		A credit card with no credit limit seems to be the dream of every card holder.
		The Platinum Business Credit Card Business owners who have good to excellent credit and are looking for one credit card to keep track of all of their business expenses, may find that the Platinum business credit card is the best suited credit card for them, particularly if a revolving balance is...
		I had been looking for a credit card for a long time, and it was only when I actually used the credit card compare feature did I feel confident that I had found the credit card for myself.
	www.creditcardflyers.com (1744 words)

	Credit Card: You Are Pre-Approved! Don't Leave Home Without It
		The credit card interest piles up and they can not keep up with the interest payment, and eventually they have to declare personal bankruptcy.
		Precisely because of this, learning how to manage your credit card is a great way to master the fine art of personal finance and business finance and it can lead you to fullest financial freedom and success.
		For those with less perfect credit, you can get a secured credit card, in which you have a small deposit with the bank, and you can start building your credit history.
	www.digi-go.biz /credit-card.html (523 words)

	Howstuffworks "How Credit Cards Work"
		But in reality, many consumers are unable to take advantage of these benefits because they carry a balance on their credit card from month to month, paying finance charges that can go up to a whopping 23 percent.
		A credit card is a thin plastic card, usually 3-1/8 inches by 2-1/8 inches in size, that contains identification information such as a signature or picture, and authorizes the person named on it to charge purchases or services to his account -- charges for which he will be billed periodically.
		According to Encyclopedia Britannica, the use of credit cards originated in the United States during the 1920s, when individual companies, such as hotel chains and oil companies, began issuing them to customers for purchases made at those businesses.
	money.howstuffworks.com /credit-card.htm (798 words)

	Vanquis Credit Card - Bad Credit Credit Card - Vanquis
		Vanquis Bad Credit Credit Card in the UK Current lifestyles mean we use less cash on a day to day basis and rely more and more on credit cards for security and convenience.
		The Vanquis credit card is designed for the modern credit card market and caters for those with bad credit or a below average income.
		If you’re new to credit cards and your credit history is not what it could be you can use the Vanquis credit card to start rebuilding your credit history which will in turn allow you to apply for other low interest rate credit cards.
	www.airaid.co.uk /credit-card/vanquis-credit-card.html (375 words)

	Credit Cards, Personal Loans and Insurance - Barclaycard
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