 Credit card help? |
| I just recieved my credit card in the mail. I have a $400 limit, and a $80 cash advance. I am still learning about credit cards. If I need to make a cash advance will I have to pay apr, interest ... |
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 Do u ever know what is the cheapest thing on earth? |
| Just Tell me......Course I can't find one.......... |
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 Is it possible to ask for a "credit decrease" on my credit card? |
| My credit card has a $500 limit, but I'd rather have it at around $300 so I'm not tempted to spend the whole $500. If I ask them to make my credit limit 300 instead of 500... can they do ... |
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 My credit score is in the poor range like 500 or so. I owe about 1700 in debt. Im about to pay 500 of it now? |
| the remaining 1200 i will pay monthly hopefully have paid off by october. ( i got 500 back from an old employer ) How soon will my credit score be impacted. Its been a year since my last late pay. I ... |
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 I want a prepaid debit card for online purchases only. Where do I find one? |
| I do not want any credit checks, I don't want to give out my SSN or real name, I have no problems with giving out my address for shipping purposes, but I've been burnt and I will not use my ... |
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 I have bad debts for my credit card.? |
| I was in prison for 2 yrs.My credit card was about 25k, after my release it jump up to more then 50k. Altogether 5 banks. Can I still get a bank to settle all my previous debts. Because to pay one ... |
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 Credit card full payment before due time - how it will affect credit score? |
| is my credit score negatively affected (even if capital one doesn't report my credit limit)? i always pay in full and before due time.... |
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| How many credit cards you carry? |
| How many credits cards you carry? I like to have a VISA credit card since it's accepted to almost anywhere. I like to have an American Express too since I always buy at Costco in bundles and it ... |
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 As despised a credit card is, why do people like them so much? |
| itunes accounts needs them. paypal needs them. ebay needs them. and almost all of internet shopping vendors (read:scam websites) requires you to have a credit card account. but what i see, the ... |
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 How to stop collection calls ? |
| How to stop Collection(debt) calls at my work ? I don even know how did they got my work number ?... |
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 I was really stupid when i was 18 and got my self into debt. I'm now 25 and a little bit wiser but? |
| i now have a terrible credit rating. I would like to get a credit card just for emergancies (i'm now actually good with money!) Which credit card companys in the uk are good for people with a ... |
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 I have bad credit and someone told me I can erase my credit rating by getting a new Social Security number? |
| A friend said that since credit bureau use your Social Security number to report people that I could eliminate my bad credit by getting a new social security number. Is that true? Is that legal?... |
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 What is the best credit card to use?.? |
| I have good credit so far and I want to keep it that way.... |
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 Bad Credit & Credit Cards? |
| When I was in college I did not pay some debts that went to a collection agency and was not payed unitl 5 years after the fact. Now that I am trying to obtain a credit card everyone/agency/bank is ... |
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 Help! I want to repair my credit.? |
| My credit score is bad and I would like to buy a home. I got a credit report, should I start making payments on the companies that were on my credit report or do I have to call them up to make ... |
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dat n | What is APR on the credit card and if you have a credit card, do you have to pay if you dont use it? |
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zandyandi
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When you get a credit card, you'll see numbers for APR, monthly interest rate, and finance charge. APR is a yearly fee (percentage) that depends on how much you charge on the card. If you don't use your card at all or carry a balance you will not be charged. It's best to get the lowest APR possible.
The monthy interest rate is also a percentage, but it is only charged each month if you don't pay your balance in full (called "carrying a balance"). Try to pay the full amount on your card every month. If you haven't used your card in a while but still carry a balance, you will have to pay. Look for a card with the lowest number for the monthly interest rate.
Finance charge is a set amount, and is how much you are charged each time you use the card. Numbers are typically 50ΒΆ-$2. Again, get the lowest possible. If you don't make purchases with your card you will not be charged this (even if you do carry a balance).
A few cards also have yearly fees, but they're becoming less common. There's really no reason to get one with a yearly fee, and that would be charged whether or not you use it or carry a balance. |
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CANDY
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Annual Percentage Rate
The amount the credit costs you.
No if you don't have a balance you should not have a fee unless you have a card that charges you a fee like Capital One for instance theirs used to be 49.95 per year in some cases and other companies have their own rate. Steer clear of high rated cards in both instances. |
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i'm susan
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annual percentage rate.
read your credit card agreement, some cards have a yearly or monthly fee whether you use the card or not |
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islander
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Annual percentage rate used to calculate the interest on your outstanding balance. If you pay off your balance each cycle, then there will be no APR charged. However, if you do carry a balance, then you will be charged the interest rate even if you don't use your card. |
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roy40372
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I HAVE VISA AND I DO NOT PAY AN ANUAL FEE. THE APR IS ABOUT 23% BEST THING TO DO IS PAY IT OFF EVERYMONTH AND THEN YOU HAVE NO APR TO PAY EITHER. |
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drivingfast2
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annual percentage rate.---no,unless there is a yearly fee in the agreement you signed,call them and ask |
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bostonianinmo
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The APR on credit cards currently varies from about 8% to over 30%, depending upon your credit. Some cards have annual fees and others do not. You should shop around for the best deal.
You can review credit card rates and fees at http://www.bankrate.com |
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Mochi
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APR = Annual Percentage Rate. This rate changes depends on Federal Prime Rate + certain points. You can get this information from credit companies. Suggest you to pay it off every month by the due date, then you don't have to pay APR. If you are unable to pay it off, worse comes to worse, make sure pay at least minimum due on the statement which will prevent creditors report to credit bureaus. |
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Chewy B
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APR is Annual Percentage Rate. That's how much you're borrowing the money for. Which is based on the prime rate, or what banks are charging for money at the time( usually prime+some number). Unless your card has an annual fee you don't have to pay. |
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Tammi D
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looks like APR has been covered. most cards do not have an annual fee, but there are some that do. if your card has no annual fee, then you don't have to pay anything if you don't use it. |
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Jez
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Annual Percentage Rate, its how much precentage you will pay, per year, on any balance you hold. Its not necessarily the same rate you will pay montly on any percent you care month to month, but if you carried the exact same amount for the full year the interest you would pay would match the APR. |
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