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Other Costs and Features Credit terms vary among issuers, calculator consolidation debt When shopping for a card, think about how you plan to use it, calculator consolidation debt If you expect to pay your bills in full each month, the annual fee and other charges may be more important than the periodic rate and the APR, if there is a grace period for purchases, calculator consolidation debt However, if you use the cash advance feature, many cards do not permit a grace period for the amounts due - even if they have a grace period for purchases, calculator consolidation debt So, it may still be wise to consider the APR and balance computation method, calculator consolidation debt Also, if you plan to pay for purchases over time, the APR and the balance computation method are definitely major considerations, calculator consolidation debt You'll probably also want to consider if the credit limit is high enough, how widely the card is accepted, and the plan's services and features, calculator consolidation debt For example, you may be interested in "affinity cards" - all-purpose credit cards sponsored by professional organizations, college alumni associations and some members of the travel industry, calculator consolidation debt 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, calculator consolidation debt Special Delinquency Rates, calculator consolidation debt Some cards with low rates for on-time payments apply a very high APR if you are late a certain number of times in any specified time period, calculator consolidation debt These rates sometimes exceed 20 percent, calculator consolidation debt Information about delinquency rates should be disclosed to you in credit card applications or in solicitations that do not require an application, calculator consolidation debt

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