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Choosing
and Using Credit Cards:
Chances are you've gotten your share of "pre-approved"
credit card application offers in the mail, some with low
introductory rates and other perks. Many of these solicitations
urge you to accept "before the offer expires." Before
you accept, shop around to get the best deal.
Credit Card Terms:
A credit card is a form of borrowing that often involves charges.
Credit terms and conditions affect your overall cost. So it's
wise to compare terms and fees before you agree to open a
credit or charge card account. The following are some important
creidt terms to consider that generally must be disclosed
in credit card applications or in solicitations that require
no application. You also may want to ask about these crdit
aplication terms when you're shopping for a credt card.
Annual Percentage Rate. The APR is a measure of the cost of
credit, expressed as a yearly rate. It also must be disclosed
before you become obligated on the account and on your account
statements. The credti card issuer also must disclose the
"periodic rate" - the rate applied to your outstanding
balance to figure the finance charge for each billing period.
Some credit card plans allow the issuer to change your APR
when interest rates or other economic indicators - called
indexes - change. Because the rate change is linked to the
index's performance, these plans are called "variable
rate" programs. Rate changes raise or lower the finance
charge on your account. If you're considering a variable rate
card, the issuer must also provide various information that
discloses to you that the rate may change and how the rate
is determined.
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