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Credit Cards
7 sneaky terms and costly fees you've got to avoid on your credit cards
It's not all about interest rates and reward points. ...
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You need a card with low rates and reasonable terms, not an aggressive marketing campaign with hats and T-shirts.

We've got 7 smart ways to resist shopping's endless temptations and stop piling up more bills.

We've picked three. But compare scores of credit card deals in our new rankings. Scroll to your state above and click "GO".

"What's in your wallet?" Too many credit cards to make any sense. Carrying only the best plastic will save you money and aggravation.

Universal default gives your credit card issuer the right to raise interest rates to painful heights for financial sins.

If you pay off your credit cards every month, you should get more than a bill. You can get cash rebates, airline tickets and more.

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Credit card balances are 50% higher than they were in 2000, and the high interest rates on these accounts are killing us.

If your identity has been stolen, or you're worried that you are vulnerable to such a crime, freeze your credit history.

Lost or stolen billfolds and purses are a major source of information for identity thieves.

Work-study checks are great for everything from books to pizzas -- all of the stuff you might be tempted to charge on a credit card.

Four states, including California, now have laws that allow consumers to cash-out gift cards with small balances.

They make your mail box a tempting target for identity theft.

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Lenders are reducing the amount consumers can borrow based on where they work and live.

The government says it's less costly than cashing a paper check, allows you to get cash at ATMs and is accepted at most stores.

Here's how banks encourage you to run up too many bills with savvy marketing campaigns and higher spending limits.

Many convenience stores are limiting how much drivers can spend when they swipe cards at automated gas pumps.

Overdraft charges can cost you plenty. Know how much you have in your checking account so you can eliminate these costly fees.

Retailers who file for bankruptcy often impose restrictions on how gift cards may be spent, or stop accepting them altogether.

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CREDIT CARD CALCULATORS
Payoff a credit card
Create a repayment plan for a single card.
Payoff all your cards
Find the fastest, cheapest way to wipeout the balance on all your cards.
Minimum payment calculator
See how long it will take to payoff your cards if you only make the minimum monthly payment.
Balance transfer calculator
Devise a money-saving plan to shift your debt from high-interest to low-interest cards.
Debt consolidation calculator
Determine how much you can save by consolidating bills into a home equity loan.
Borrow against your home
See how big a home equity line of credit you can qualify for to payoff your credit cards.
Does a cash-out refi make sense?
Calculate what it would cost to consolidate credit card and auto debt into a new mortgage.
Consolidate your student loans
Forecast the savings and how it can be used to payoff credit cards and other high-cost loans.
Compare your cards
See which have the best rates and terms.
Transferring credit card balances
Here’s all the information you’ll need to ensure a smooth transition to a new card.
Ask for a lower rate on your credit cards
Follow our script and record the results of every conversation.
"No more late fees" work sheet
Keep track of when your credit card bills are due, how much you owe and how much you've paid.
Essential info work sheet
Know exactly where to go if any of your cards is lost or stolen.
4 steps to cancel a credit card
This work sheet walks you through the process of closing an account without denting your credit score.
What to tell the credit card company
This form letter covers all the legalities for closing an account and informing the credit reporting agencies.
Fix credit report mistakes
Use this form letter to dispute errors.
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9/8/2008 10:48:08 AM