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Online guide and resources:
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Finance.yahoo.com
Smart consumers comparison shop for credit and applications
now, whether they're looking for a mortgage, an loan, or
a credit card application. Comparison shopping is important
because it could save you money. Apply online and complete
quick appliction omline.
When
you're looking for a credit card, be sure to consider the
costs and terms. They can make a difference in how much
you pay for the privilege of borrowing. Compare them with
the costs and terms of the cards you already have to find
the plan that best fits your spending and repayment habits.
Key costs and terms to consider are the annual percentage
rate (APR) for goods and services as well as for cash advances,
the annual fee, and the grace period. Also compare cash-advance
fees, late-payment charges, and over-the-limit fees.
Besides looking at these costs and terms, think about your
typical bill-paying behavior. Do you pay your outstanding
balance in full each month? Or do you usually carry over
a balance? Matching the credit card plan to your needs could
save money.
Credit
Card Interest Rates
Credit
card issuers offer variable-rate, fixed-rate, and tiered-rate
plans. For variable-rate credit card plans, the interest
rate is calculated according to a formula. Three of the
most commonly used formulas are
The most common indexes used by credit card issuers are the
prime rate; the one-, three- and six-month Treasury bill rates;
the federal funds rate; and the Federal Reserve discount rate.
Most of the indexes are published in the money or business
section of major newspapers. If the index rate used for your
credit card changes, the rate on your card will, too.
The margin is a number of percentage points chosen by the
credit card issuer. The card issuer also chooses the multiple.
The interest rate on a fixed-rate credit card plan, though
not explicitly tied to changes in another interest rate,
also can change over time. The card issuer must notify you
before the "fixed" interest rate is changed.
A tiered interest rate means that different rates apply
to different levels of the outstanding balance (for example,
16% on balances of $1 - $500; 17% on balances above $500).
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online credti card application.
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Consumers
comparison shop for credit,. Looking for a mortgage,
a loan, or a credit card. Comparison shopping is important
because it could save you money. How Much for a creditcard
or evaluating the cards you already have. Make a list of
features that best fit your online borrowing
www.federalreserve.gov/pubs/shop
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