Credit Cards, Credit Card Offers and Credit Card Guide

Copyright 2006 Anthony Samuel

Apr Credit Card When you fill out your online credit card application, you will surely run across a great many terms that you don't necessarily use in everyday life. To help make your life just a little bit simpler, we've compiled a list of definitions that will assist you in deciphering any online credit card application that you fill out.

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Bad Credit Credit Card Account Number - A number given to you and only you by which you may make purchases. This number is on your credit card.

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Low Apr Credit Card Additional Cardholder - This is anyone who you add to your account, meaning that they, too, will hold a credit card with the same account number on it, but with their own name. They will be able to make purchases as freely as you do.

Unfortunately, credit card companies offering lower typical APRs (Annual Percentage Rate) tend to have stricter credit check systems and are more likely to reject your application. With the uSwitch.com credit card comparison service you can compare the credit cards available that will accept applications from people with poor credit check results (or credit ratings). This will save you the hassle of having your applications rejected, which can also show up as a bad sign in future credit checks.

The Best Credit Card Annual Fee - This is a payment made yearly that is simply for the privilege of having the card. This does not pay down your balance or finance charges.

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Credit Card Debt Consolidation Annual Percentage Rate (APR)- This is a percentage rate charged each month on the balance on your card leftover after your payment.

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Travel Reward Credit Card Balance Transfer - This is when you move the balance from one or more credit cards to another credit card.

Low Interest Credit Card Billing Cycle - The time (usually a month) between two credit card bill statements.

Credit Card Company Card Issuer - The bank or company to whom you pay the balance on your account as well as the finance charges.

Student Credit Card Cardholder - You! Once you are given a credit card.

Credit Card Deal Cash Advance - This is a loan, in cash, taken off the amount of credit available on your credit card.

Secured Credit Card Credit Limit - This is the highest amount you can charge on your credit card without 'maxing it out.'

Airline Miles Credit Card Finance Charge - Fines and fees that are charged to your account based on how much is left over after your payment is made.

Online Credit Card Fixed Rate (or Fixed APR) -This is an APR that won't change.

Hsbc Credit Card Grace Period - Generally between 10 and 28 days, this is the amount of time you have to pay off your purchases without any finance charges.

Credit Card Reward Introductory Rate (or Intro APR) - This is a temporary (usually low) rate assigned to new credit cards for a brief time.

Accept Credit Card Minimum Payment - This is the least amount that you can pay each month without incurring late fees.

Best Credit Card Rate Variable Interest Rate - This is an APR that changes when interest rates change.

Credit Card Balance Transfer Once you know these main terms it makes the process of making an online credit card application that much easier.

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