http://www.credit-card-gallery.com/article/search,credit_card_basics Credit Card Articles on credit card basics from credit-card-gallery.com (C) 2006 credit-card-gallery.com Mon, 12 Nov 2007 11:08:54 -0500 We all like secrets, don't we? And, yes credit card companies do have their own secrets. As true with all other secrets, only a privileged few know about these. Many have found out them after harsh experiences, why don't you simply check them out and benefit from others experiences? 1. Uni... http://www.credit-card-gallery.com/article/691,5_Little_known_credit_card__secrets_that_should_never_be_missed 1234567890691 Fri, 03 Aug 2007 10:09:29 -0400 Is there any such thing as a best or ideal credit card? If so, what would it be like? What all features, fees and interest rates will it charge? Every individual has a unique financial situation and so are his demands on credit card, but there are certain parameters, common to all credit... http://www.credit-card-gallery.com/article/478,The_best_credit_card:_A_dream_or_a_reality 1234567890478 Wed, 01 Aug 2007 09:35:11 -0400 FCRA stands for Federal Credit Reform Act of 1990 which, was specially designed to make sure that every consumer reporting agency acts in a fair and impartial manner and respects the consumer's right to privacy while preparing their consumer reports. FCRA grants extensive rights to consu... http://www.credit-card-gallery.com/article/472,Your_FCRA_rights:_The_legal_force_behind_every_credit_card_consumer 1234567890472 Fri, 27 Jul 2007 05:30:03 -0400 Global warming is the latest threat to our beloved earth's fragile environment. Everybody is concerned, but General Electric has taken a bold step in involving the masses to counteract this growing menace. How would you feel if the rewards on your credit cards are used to offset your rol... http://www.credit-card-gallery.com/article/451,GE_Money_Earth_Rewards_Platinum_MasterCard:_Spend_on_your_credit_card_and_make_the_planet_greener 1234567890451 Wed, 25 Jul 2007 05:56:36 -0400 Credit card companies are established business entities and they should make profits in order to survive. There are three main sources of their income. The first is the fees they charge from merchants who do credit card transactions, second is the fees they charge from credit card holder... http://www.credit-card-gallery.com/article/446,Avoid_falling_into_these_worst_credit_card_practices_trap 1234567890446 Mon, 23 Jul 2007 10:34:08 -0400 Credit cards if used wisely can go a long way towards building an excellent credit history, provide ready credit and a hassle free convenience. Though, many articles have been written on credit card tips, this article doesn't toe the line, but puts forward some fresh things to ponder ove... http://www.credit-card-gallery.com/article/439,Don't_pay_extra_for_a_gold_or_platinum_card_and_more_fresh_credit_card_tips 1234567890439 Thu, 19 Jul 2007 06:37:25 -0400 Credit card fraud is increasing in magnitude proportional to the widespread use and availability of credit cards. To counteract this menace credit card companies have devised a new way. Popularly called the virtual credit card, this is an arrangement where the actual details of credit ca... http://www.credit-card-gallery.com/article/431,Virtual_credit_cards:_Pros_and_cons 1234567890431 Mon, 16 Jul 2007 10:47:41 -0400 Most of the credit card owners are not aware of the fact that there is a mandatory arbitration clause with almost every credit card. This means that if you have been wrongly charged by the credit card company, you can't go to courts. Instead, you can put up your case before an arbitrator... http://www.credit-card-gallery.com/article/421,Credit_card_arbitration:_Things_every_credit_card_consumer_must_know 1234567890421 Wed, 11 Jul 2007 11:03:29 -0400 A huge credit card fraud amounting to US$ 75 million has been unearthed by the U.S. Secret service. The criminal gang caught perpetrating this credit card fraud was based in South Florida and had international links. The secret service agents recovered more than 200,000 credit card accou... http://www.credit-card-gallery.com/article/412,Florida_criminal_credit_card_fraud:_Lessons_to_learn 1234567890412 Tue, 10 Jul 2007 04:32:59 -0400 Secured credit card are special type of credit cards which have some collateral attached with them. Generally the collateral is a bank account or some deposit. Secured credit cards are simply great for those who have less than perfect credit and those who want to start building their credit history... http://www.credit-card-gallery.com/article/411,Secured_credit_cards:Great_way_to_rebuild_your_credit_ratings 1234567890411 Wed, 04 Jul 2007 11:05:19 -0400 Credit card companies are notorious for charging late fees whenever they receive late payments and applying penalty APR's on defaults. If they penalized such activity, it's about time they rewarded good repayment record. Discover Motiva card does this precisely. It is the first credit card w... http://www.credit-card-gallery.com/article/401,Discover_Motiva_Card_motivates_you_to_pay_on_time_by_rewarding_good_credit_management 1234567890401 Mon, 02 Jul 2007 10:24:22 -0400 Simply speaking finance charges are all those charges that the borrower pays for the use of funds including interest, fees and other charges paid directly for the use of credit, or indirectly as a condition for the extension of credit. The importance of finance charges in credit cards is... http://www.credit-card-gallery.com/article/394,Finance_charges_on_credit_cards:_Simple_ways_for_credit_card_companies_to_increase_your_bill 1234567890394 Fri, 29 Jun 2007 10:29:55 -0400 The Chase Freedom(SM) Cash Visa(R) Card offer terms mention the APR as 14.24 variable. However a look at the terms and condition of this card and you find that there is a lot more to the APR's than this figure. Let us analyze it a bit more. APR stands for Annual percentage rate. It is... http://www.credit-card-gallery.com/article/391,Various_APR's_of_the_Chase_Freedom(SM)_Cash_Visa(R)_Card 1234567890391 Thu, 28 Jun 2007 10:45:43 -0400 The credit card companies have good access to a wide ranging information about us. They already collect all the personal information such as name, age, address, phone numbers from us. While the vital financial details are acquired by the credit card company by accessing our credit report... http://www.credit-card-gallery.com/article/390,How_does_a_credit_card_company_use_your_private_data? 1234567890390 Tue, 26 Jun 2007 09:33:10 -0400 Increase in credit card spending is a worry for a majority of us. Hike in APR's, costly annual fees, impulsive shopping, maxing out on credit limits -- all increase our credit card bill. What is the way out? This article takes a look at few steps which can drastically reduce your credit... http://www.credit-card-gallery.com/article/385,5_simple_ways_to_save_a_fortune_on_your_credit_card_bills 1234567890385 Mon, 25 Jun 2007 06:21:36 -0400 As soon as you receive your credit cards read the terms and conditions, and if you really want to use that credit card make sure that you sign at the back of the credit card. Never share, write, post, or scramble your credit card PIN. As soon as you get the PIN memorize i... http://www.credit-card-gallery.com/article/384,10_things_that_every_credit_card_holder_should_take_care_of 1234567890384 Mon, 25 Jun 2007 05:39:10 -0400 Credit cards with all their benefits and drawbacks are here to stay. They have become an integral part of modern lifestyle. Sooner or later everybody tries to get one and make his life simpler. But, do they all take the correct decisions when they try to get a credit card? The answer is... http://www.credit-card-gallery.com/article/383,3_big_credit_card_mistakes_most_of_the_new_credit_card_holders_make 1234567890383 Fri, 22 Jun 2007 06:26:50 -0400 Credit cards issuing companies are proper business entities and they can't exist without making profits. Be it pressure from the share holders, competing credit card companies, or reaching their set revenue targets, credit card companies sometimes adopt shady tricks to get the money out... http://www.credit-card-gallery.com/article/382,3_shady_tricks_credit_card_companies_use_to_take_the_money_out_of_your_pocket 1234567890382 Fri, 22 Jun 2007 06:07:47 -0400 The long credit card numbers on your credit card inspire awe and if it makes you think what these long strings of numerals signify this article is for you. Every credit card has a unique number associated with it. This number is used to identify the credit card and is used to decipher va... http://www.credit-card-gallery.com/article/381,Credit_card_numbers:_What_do_they_really_mean? 1234567890381 Thu, 21 Jun 2007 07:02:16 -0400 Having a credit card that pinches with every monthly payments? Majority of us have experienced owning a credit card which burns huge holes into our pockets and threaten to drive us into credit card debt. Why do some credit cards prove more costly than others? Here are three important fac... http://www.credit-card-gallery.com/article/379,3_important_factors_that_make_a_credit_card_very_costly_to_own_and_repay 1234567890379 Wed, 20 Jun 2007 06:10:10 -0400 If you look around you will definitely find some people who have spent their entire life without using a single credit card and they have done it comfortably. Using just plain cash or debit cards they have managed to carry out all their financial transactions. They can inspire you to thi... http://www.credit-card-gallery.com/article/377,5_important_benefits_you_miss_out_if_you_don't_have_a_credit_card 1234567890377 Wed, 20 Jun 2007 05:12:26 -0400 Identity theft might sound a pretty complex way of stealing and it often confuses about what exactly is being stolen. Stating in simple terms identity theft is a process when someone tries to fake your identity by using fraudulent means and thus take undue advantage in many ways. Identit... http://www.credit-card-gallery.com/article/376,Identity_theft:_Really_simple_ways_in_which_someone_can_take_control_of_your_destiny 1234567890376 Mon, 18 Jun 2007 06:47:34 -0400 Credit cards are increasingly being used for offline and online shopping. With this rapidly growing phenomenon there are reports of credit card misuse and shopping fraud which might require disputing a particular credit card bill. A person can dispute his credit card bill in two ways. First... http://www.credit-card-gallery.com/article/373,How_to_dispute_a_faulty_credit_card_bill_and_claim_a_chargeback 1234567890373 Mon, 18 Jun 2007 06:46:56 -0400 Credit card is a convenient and cashless way to carry money. A single piece of plastic removes all hassles and provides great freebies for spending your own money. It's always great to have a good credit limit. The credit limit in simple terms, is the maximum amount you can spend using y... http://www.credit-card-gallery.com/article/372,Want_to_increase_your_credit_limits?_Follow_these_steps 1234567890372 Mon, 18 Jun 2007 06:46:05 -0400 Every credit card has a spending limit associated with it. This limit is decided by the credit card issuer based on your credit history, financial health and repayment record. Whenever a credit card holder goes overboard and spends more than his credit limit, the credit card companies sl... http://www.credit-card-gallery.com/article/369,Credit_card_over_the_limit_fees_101 1234567890369