Credit Card Fees FAQS

June 09, 2018
When you carry a balance on a credit card, your minimum monthly payment will depend on the amount you owe, interest rate and fees. As a rule, you have to pay 1%-2% of your card balance plus new interest and late payment fees (if applicable). If you have any past due amounts, they will be added to the minimum payment as well. So, the more you owe on your credit card, the higher your minimum payment will be. However, you can avoid interest if you pay off the card balance in full each month. Also, there are credit cards with 0% intro APRs that do not charge interest during introductory period. But when this zero introductory period is over, an ongoing APR will apply to the remaining and new...
May 01, 2018
BB&T cards come with 0% intro APR on purchases, that is a great feature. But you don't mention if you are planning to earn rewards on your purchases, as only BB&T Spectrum credit card comes with cash back rewards. You may choose from cash back credit offers with 0% intro APR. For example, the Discover it® Cash Back credit card may be a good choice. Keep in mind that after the introductory period is over, ongoing APR will apply.
April 28, 2018
Credit cards from famous brands often come with high rates and fees. If you want to get credit card for your Uber rides, consider 0% and low intererst credit cards to avoid getting stuck with high interest rates or rewards credit cards. Depending on your lifestyle and preferences you may choose to earn miles, points or cash back on your purchases.
February 12, 2018
Nordstrom Retail card and Nordstrom Visa cards come with high APR, like most store credit cards. If you don't want to apply for their credit card, you can apply for a regular rewards card that offers 0% APR on purchases. A good example of a rewards card is the Discover it® Cash Back credit card. Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum each time you activate. All other purchases earn 1% cash back. All the cash back earned at the end of your first year will be matched, automatically (if you are a new cardmember). The credit card comes with 0%...
February 09, 2018
If you have bad credit there are several options for you with no annual fee. You can choose a secured credit card or an unsecured credit card. Secured cards are rather easy to get because they require at least minimum security deposit to be paid before the card is issued. As for unsecured credit cards for bad credit, they may not require upfront fees but they are difficult to qualify because there is no collateral that backs the issuer up. Weigh all the pros and cons before you apply for a credit card.
January 28, 2018
The Discover cards allow earning good cash back on Lane Bryant purchases. There is a guaranteed 1% cash back on all purchases and up to 5% cash back on purchases in rotating categories (up to the quarterly maximum, you have to sign up each time to get this bonus). The Discover cards come without an annual fees and interest rate can be 0% during an introductory period. Once the introductory period is over, your interest rate will be determined by the issuer based on your creditworthiness.
December 30, 2017
Even if you really shop often at Gap and affiliated stores like Banana Republic and other, Gap credit card isn't a great deal, like most store credit cards. The APR is really high, much higher than average. The Discover it® Cash Back credit card would be a better deal. Cash back rewards are more flexible than coupons towards future purchases and this card offers 0% for 14 months APR (when the introductory interest rate is over, the ongoing APR will apply).
Do you have a million questions jumbled up in your mind regarding credit cards and the credit card application process? Don't worry, you are not alone! Our site has been designed to be simple to use and navigate in order to eliminate any potential hassles and frustrations surrounding the credit card application process. Our experts have already taken it upon themselves to thoroughly analyze and evaluate all of the popular credit card available on the market today and have laid them out in an easy-to-understand format, touting the best features of each.

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