American Express and Credit Cards


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It is wise to save your money to purchase an item you may want, rather than use a credit card to make the purchase. If you are searching for a credit card, you should understand the cards characteristic, compare the cards attributes and cost with other credit cards. Cardholders should also know their legal rights before applying for a credit card. When you know your rights, when the card provider takes advantage of you, you will know your next step. If you feel your rights are violated, it is important to file complaints against the allegation immediately. Waiting will only cost you more headaches that you already have. More Credit Card Defaults


American Express and Credit Cards

American Express is one of the well-known card providers that offer low APR. The introductory is 0% APR up to 15 months on some cards, and includes low balance transfer APR. The transfer is 3.99% fixed rates for life on few American Express cards. Few cards offer free reward programs enabling the cardholder to earn points and redeem the points for products, travel, hotels and so forth. Many of the cards offered have no annual fees.

The Citi Platinum Select has 0% APR introductory on purchases and balance transfers. The 0% APR will not be relevant to cash advances on some cards. If the cardholder fails to make payments on time then the 0% may be subject to change. Few cards have no annual fees or balance transfer fees during the introductory.

Chase cards have a 5% on purchases and 0% APR up to one year. The cardholder can receive 1% cash back on additional purchases. Chase like many other cards offer a variety of cards; therefore, you should review them all before making a decision.

 

HSBC MasterCard Offer an assortment of manufactured goods to choose from if the cardholder qualifies upon the completion of the “Pre-qualified form.” Few cards offer 0% APR and may not apply to the cash advances. If the cardholder fails to make payment during the introductory, or else goes over the cards limit, the APR may increase up to 18.74%. Other fees are included on balance transfers. Be sure to read all details on any credit card considered to avoid overcharges.

Discover Platinum Cards also offer 0% APR introductory up to one year. There are no annual fees, 5% cash rewards, 0% fraudulent liability and limitless cash rewards of 1% on other purchases. The card lenders offer double rewards to customers purchasing products from name brand companies. Stop right here! If you are paying twice the amount for a similar product at full price, the double rewards may not be worth your time. In other words, if you buy name brand clothes you will pay nearly double, or triple sometimes for the product. Therefore, you are spending more than you will make back in most instances, and then you will pay APR charges on the purchase.

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Credit Card
A credit card is a payment card issued to users as a system of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.

A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.




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The card is like most cards, in that if you fail to make full payment at the end of the grace period, then you will be charged ‘financial’ fees, APR, and your balance will roll over to the next cycle, where this process will continue until you payoff the credit card. More Bank Credit Cards



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