Credit Cards - Credit Card Offers - Credit.com <http://www.credit.com/products/credit_cards/index.jsp>
Browse our most popular credit card offers and apply for credit cards online. ... Popular Credit Cards. Browse our most popular credit card offers and easily apply for the ...
Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com <http://www.credit.com/>
Credit.com offers a variety of credit related products and services including credit reports and ... Start improving your credit and taking control of your finances today.
Credit Cards - Forbes.com - Best Credit Cards <http://www.forbes.com/credit_cards.html>
Credit Cards - If you're looking for credit cards; both relevant, useful information as well as the ... Jump. Select Section Home Investment Newsletters Polls & Discussions Premium Tools Special ...
Credit Cards - Compare Credit Card Offers at CreditCards.com <http://creditcards.com/>
Compare Credit Cards & Credit Card Offers at CreditCards.com. Search credit cards and reviews about ... Use the Menu on the left to Search for the Type of Card you are looking for.
Balance Transfer Credit Cards - CreditCards.com <http://www.creditcards.com/balance-transfer.php>
0% Balance Transfer Credit Cards at CreditCards.com - compare credit card offers with low apr, and 0 ... Balance Transfer Credit Cards: The following balance transfer credit card offers are designed ...
Wells Fargo Credit Cards <https://www.wellsfargo.com/credit_cards/>
With a Wells Fargo Credit Card, your spending is better managed, better protected, and better ... 0% Intro APR and Built-in Security Features. Enjoy intro rates as low as 0%, no annual fee, the ...
Capital One: Credit Cards, Auto Finance, Loans, and Savings Accounts <http://www.capitalone.com/>
Among the largest issuers of major brand bank card products worldwide.
Apply for a Credit Card Online - Rewards Credit Cards Available ...  <http://www.capitalone.com/creditcards/index.php>
Visit Capital One for low-interest credit cards today. Browse and compare cards including small ... Please do not enter your account number or any account-sensitive information (user name, password ...
bizjournals: Credit Card - Credit Cards - Apply For A Credit Card <http://www.bizjournals.com/resources/credit-card.html>
Credit Card - Information and options from the Internet's leading business news site. ... bizjournals Albany Albuquerque Atlanta Austin Baltimore Birmingham Boston Buffalo Charlotte Cincinnati ...
Chase Credit Card Home  <http://www.chase.com/PFSCreditCardHome.html>
Choose by Category. Browse categories of cards like Travel Rewards, Auto & Gas Rebates, Cash Back and more. Help Me Choose
credit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcardscredit cards creditcard
Credit Cards - Credit Card Offers - Credit.com <http://www.credit.com/products/credit_cards/index.jsp>
Browse our most popular credit card offers and apply for credit cards online. ... Popular Credit Cards. Browse our most popular credit card offers and easily apply for the ...
Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com <http://www.credit.com/>
Credit.com offers a variety of credit related products and services including credit reports and ... Start improving your credit and taking control of your finances today.
Credit Cards - Forbes.com - Best Credit Cards <http://www.forbes.com/credit_cards.html>
Credit Cards - If you're looking for credit cards; both relevant, useful information as well as the ... Jump. Select Section Home Investment Newsletters Polls & Discussions Premium Tools Special ...
Credit Cards - Compare Credit Card Offers at CreditCards.com <http://creditcards.com/>
Compare Credit Cards & Credit Card Offers at CreditCards.com. Search credit cards and reviews about ... Use the Menu on the left to Search for the Type of Card you are looking for.
Balance Transfer Credit Cards - CreditCards.com <http://www.creditcards.com/balance-transfer.php>
0% Balance Transfer Credit Cards at CreditCards.com - compare credit card offers with low apr, and 0 ... Balance Transfer Credit Cards: The following balance transfer credit card offers are designed ...
Wells Fargo Credit Cards <https://www.wellsfargo.com/credit_cards/>
With a Wells Fargo Credit Card, your spending is better managed, better protected, and better ... 0% Intro APR and Built-in Security Features. Enjoy intro rates as low as 0%, no annual fee, the ...
Capital One: Credit Cards, Auto Finance, Loans, and Savings Accounts <http://www.capitalone.com/>
Among the largest issuers of major brand bank card products worldwide.
Apply for a Credit Card Online - Rewards Credit Cards Available ...  <http://www.capitalone.com/creditcards/index.php>
Visit Capital One for low-interest credit cards today. Browse and compare cards including small ... Please do not enter your account number or any account-sensitive information (user name, password ...
bizjournals: Credit Card - Credit Cards - Apply For A Credit Card <http://www.bizjournals.com/resources/credit-card.html>
Credit Card - Information and options from the Internet's leading business news site. ... bizjournals Albany Albuquerque Atlanta Austin Baltimore Birmingham Boston Buffalo Charlotte Cincinnati ...
Chase Credit Card Home  <http://www.chase.com/PFSCreditCardHome.html>
Choose by Category. Browse categories of cards like Travel Rewards, Auto & Gas Rebates, Cash Back and more. Help Me Choose

                  How Credit Cards Work


Have you ever stood behind someone in line at the store and watched him shuffle through a stack of what must be at least 10 credit cards? Consumers with this many cards are still in the minority, but experts say that the majority of U.S. citizens have at least one credit card -- and usually two or three. It's true that credit cards have become important sources of identification -- if you want to rent a car, for example, you really need a major credit card. And used wisely, a credit card can provide convenience and allow you to make purchases with nearly a month to pay for them before finance charges kick in.
That sounds good, in theory. But in reality, many consumers are unable to take advantage of these benefits because they carry a balance on their credit card from month to month, paying finance charges that can go up to a whopping 23 percent. Many find it hard to resist using the old "plastic" for impulse purchases or buying things they really can't afford. The numbers are striking: In 1999, American consumers charged about $1.2 trillion on their general-purpose credit cards.
In this article we'll look at the credit card -- how it works both financially and technically -- and we'll offer tips on how to shop for a credit card. (Experts say this should be a project on the scale of shopping for a car loan.
We'll also describe the different credit-card plans available, talk about your credit history and how that might affect your card options, and discuss how to avoid credit-card fraud -- both online and in the real world.

A Bit of History
Let's start at the beginning. A credit card is a thin plastic card, usually 3-1/8 inches by 2-1/8 inches in size, that contains identification information such as a signature or picture, and authorizes the person named on it to charge purchases or services to his account -- charges for which he will be billed periodically. Today, the information on the card is read by
automated teller machines (ATMs), store readers, and bank and Internet computers.
According to
Encyclopedia Britannica , the use of credit cards originated in the United States during the 1920s, when individual companies, such as hotel chains and oil companies, began issuing them to customers for purchases made at those businesses. This use increased significantly after World War II.
The first universal credit card -- one that could be used at a variety of stores and businesses -- was introduced by
Diners Club, Inc., in 1950. With this system, the credit-card company charged cardholders an annual fee and billed them on a monthly or yearly basis. Another major universal card -- "Don't leave home without it!" -- was established in 1958 by the American Express company.
Later came the bank credit-card system. Under this plan, the bank credits the account of the merchant as sales slips are received (this means merchants are paid quickly -- something they love!) and assembles charges to be billed to the cardholder at the end of the billing period. The cardholder, in turn, pays the bank either the entire balance or in monthly installments with interest (sometimes called carrying charges).
The first national bank plan was BankAmericard, which was started on a statewide basis in 1959 by the Bank of America in California. This system was licensed in other states starting in 1966, and was renamed
Visa in 1976.
Other major bank cards followed, including
MasterCard, formerly Master Charge. In order to offer expanded services, such as meals and lodging, many smaller banks that earlier offered credit cards on a local or regional basis formed relationships with large national or international banks.




Free Registration E-GOLDFree egistration E-GOLD
All Rights Reserved 2006 - HGS
Visa - MasterCard - American Express
Advertise
Page Rank Checker
Google
Web www.visa.com
www.mastercard.com americanexpress.com