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Other Costs and Features Credit terms vary among issuers and debt problem When shopping for a card, think about how you plan to use it and debt problem 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. 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. So, it may still be wise to consider the APR and balance computation method. Also, if you plan to pay for purchases over time, the APR and the balance computation method are definitely major considerations. 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. 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. 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. Special Delinquency Rates. 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. These rates sometimes exceed 20 percent. Information about delinquency rates should be disclosed to you in credit card applications or in solicitations that do not require an application.

Other Costs and Features Credit terms vary among issuers, card credit service When shopping for a card, think about how you plan to use it, card credit service 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, card credit service 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, card credit service So, it may still be wise to consider the APR and balance computation method, card credit service Also, if you plan to pay for purchases over time, the APR and the balance computation method are definitely major considerations, card credit service 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, card credit service 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, card credit service 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, card credit service Special Delinquency Rates, card credit service 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, card credit service These rates sometimes exceed 20 percent, card credit service Information about delinquency rates should be disclosed to you in credit card applications or in solicitations that do not require an application, card credit service