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Credit Cards
8 smart moves to avoid the pitfalls and find the best deal on a new credit card
Follow our guide for avoiding the come-ons and distractions ...
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CREDIT CARD FEATURES
Moving your debt to a card that charges 0% interest is a good way to save money and reduce your balance.

These abusive rules and fees will be history when new federal regulations take effect in February.

They come with higher interest rates, tougher terms and less generous reward programs than most bank cards.

They're designed for consumers with bad credit who can't qualify for a standard credit card.

Here's how to stop piling up more bills and ditch that "buy now, worry later" attitude that keeps you mired in debt.

Here's everything you need to know about how they work and how to avoid the bad ones that charge excessive fees.

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Emily Maddox, 24, of Knoxville, Tenn., is the kind of customer credit card companies covet.

They're yuppie food stamps.

WASHINGTON - Americans borrowed less for an 11th consecutive month in December, paying off credit cards while increasing borrowing for cars and other products.

PURCHASE, N.Y. - MasterCard said Thursday its fourth-quarter profit jumped 23 percent as the company raised its fees to offset fading credit card use in the U.S.

DES MOINES, Iowa - Visa Inc. on Wednesday said its profit rose 33 percent in the fiscal first-quarter on increased revenue, even as consumers pull back sharply on spending amid the recession.

Feb. 3--LAS CRUCES -- It certainly wasn't the wine or the bowtie pasta at St. Clair Winery & Bistro that left a bad taste in Bianca Villani's mouth.

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Call the card's customer service number or look for terms and conditions online.

They're almost always poor choices because of their crummy terms and high interest rates.

Cash-back offers actually come from membership clubs that will add unexpected charges to your monthly bill.

In this economy, you need a card that charges 12% APR or less on purchases and no annual fee.

Here's what to do if your credit card says it's doubling or tripling your interest rate for no good reason.

Go to the Web site created by the three big credit agencies so you can get your record once a year.

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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.
CREDIT CARD WORK SHEETS
CREDIT CARD Q&A
National credit card rates
2/9/2010 10:17:26 AM