Bank Credit Cards

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If you have bad credit, it is important to keep up with your spending to avoid poverty. If you are searching for a low interest credit card to repair your credit, remember most cards available have high initial fees and APR. Regardless if you have filed bankruptcy, have bad credit or do not have credit at all the lenders are opening the doors inviting all to join. Since, millions of people today have filed bankruptcies the lenders are considering option to help these people get back on their feet, while others are considering options to bring the debtors further to the ground. More Building Credit with Credit Cards

Bank Credit Cards

First Citizens Bank is one of the many institutions that offer credit cards. However, before you go on that journey and apply, let’s review a few details. The grace period for First Citizens cards is around ‘25’ days. If you go over that cycle then you will pay ‘finance’ charges. This is not uncommon, so therefore we are looking good. The payments on new account statements should be paid in full, otherwise the cardholder will roll over to the next grace cycle, which will accumulate charges.

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.

The cash advances on the First card are frightening, since it appears that the financial rates are charged per day, until the balance is paid in full. You might want to look more into this if you are applying for a First Citizen Credit card. Bank is offering Variable Cards, so you may want to ask the lender if there are Fixed Rate cards available. The fixed rate cards rarely won’t increase the APR on the card, while the Variables are subject to change at any giving time.

The bank explains that cardholders agreed to pay the dues on the credit cards, which will include the “finance” fees. The bank explains that the fees are multiplied by the cardholders ‘average daily balance,” and by each month on the APR and equals up to ‘1/12’ of the APR. The bank further advises that the APR is based on standard codes, and can change at anytime. All APR on purchases is currently at 12.00%, which is a good rate. The card has a ‘non-refundable’ annual fee which is “$15.00.” there are fees that will apply to late payments, returns, credit limit overrides, and researching.

While this card may have a few provisions, it would not be one of the cards that I would choose at the start. If you are looking for a credit card, it pays to review all bankcards and the credit cards offered over the internet. The cards on the internet require carefully consideration, because you are at more risk. However, there are legitimate companies online that offer low interest rates, and fees on credit cards. It makes sense to compare each card and what the cards offer before applying for a card.

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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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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. More at American Express and Credit Cards

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