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Many credit card companies use the term low APR to promote their credit card offers. But how do you know if the card you are applying for is really a low">http://www.easy-approval-credit-cards.com">low APR credit card? To determine whether this is accurate or not, you're going to have to look at the fine print of these claims. Of course there are a lot of reputable and honest credit card offers available as well. We recommend www.easy-approval-credit-cards.com">http://www.easy-approval-credit-cards.com">www.easy-approval-credit-cards.com as an excellent source for dependable credit card offers. Here is some basic interest rate information to help you determine if those "low APR rate credit cards" are really "high interest rate credit rip-offs." Keep in mind that interest rates are variable. Credit card rates are set by adding a spread, or margin, to a base rate. Your base rate is often a widely used index rate, which is almost always a rate that changes periodically, without warning and for no reason. The spread that is added to calculate your rate depends on your credit history. If you pay your bills consistently and on time, the spread may be as few as 2 or 3 percentage points. If your credit history reveals that you make late payments, or have too much debt, the spread may be 5 or 6 percentage points or more. The advertised rate on a credit card is often the card's simple interest rate. The effective interest rate, however, is your true cost of borrowing and includes annual fees you pay to use the card. The compounded interest rate is a better barometer of your effective interest rate. For example, if your card has a rate of 12%, your monthly rate would be 1%. Because credit card interest is compounded monthly, the effective annual interest rate on a 12% simple-rate card is 12.68%. By doing a little research, you could save yourself a lot of money in interest in the long run. ------------------------- About The Author
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Health care continued to take up a greater share of the economy in 2007, as spending on hospitals, doctors and other services increased 6.1 percent to $2.2 trillion. There was a silver lining in the numbers the government reported Monday: The ...
Read moreNation’s health spending rises, but not so much - Sun and Press
John Travolta poses with his daughter Ella Bleu (l), son Jett, and wife Kelly Preston. FREEPORT, Bahamas -- An undertaker said that the remains of Jett Travolta are being cremated and that his parents plan to return to the U.S. from the Bahamas with ...
Read moreJett Travolta's Remains To Be Cremated - News4Jax.com
LEXINGTON, Ky. (AP) — Six top officials at the Blue Grass Airport will no longer have credit cards issued by the board after it was revealed that three employees racked up $4,500 in charges at a Texas strip club. Board chairman Bernard Lovely told ...
Read moreKy. airport officials lose credit card privileges - Herald-Dispatch
WASHINGTON - Health care continued to take up a greater share of the economy in 2007, as spending on hospitals, doctors and other services increased 6.1 percent to $2.2 trillion. There was a silver lining in the numbers the government reported Monday ...
Read moreSee today's average credit card rates across the country. - MSNBC
How long will it take you to pay off your credit card? Photo: ABBIE TRAYLER-SMITH Paying off an extra £1 a month of a £2,000 credit card bill could mean you clear the whole debt six years earlier – but reducing your payment by £1 a month could ...
Read moreHow long will it take you to pay off your credit card? - Daily Telegraph
Credit scores appear to be slipping for consumers in Greater Cincinnati and Northern Kentucky - at a time when many people are counting on credit to survive the recession and take advantage of low mortgage rates. An analysis of auto loan applications ...
Read moreLocal credit scores sliding - Cincinnati.com
PETALING JAYA: The National Consumer Complaints Centre (NCCC) is proposing that consumers using credit cards to pay for petrol at the pumps be required to key in a personal identification number (PIN) or password. “There should be more efforts to ...
Read moreCredit cards at the pumps: Use PINs or passwords - star.com.my
The scam : As if the passing of a loved one isn't bad enough, now officials say survivors have to worry about the deceased person's estate being fleeced. Scambusters reports that in recent weeks an outbreak of credit card fraud occurred using the ...
Read moreScam artists target estates of deceased - Allentown Morning Call
BOISE, Idaho -- Rick and Noreen Capp recently reduced their credit-card debt, opened a savings account and stopped taking their two children to restaurants. Jessica and Alan Muir have started buying children's clothes at steep markdowns, splitting ...
Read moreHard-Hit Families Finally Start Saving, Aggravating Nation's Economic ... - Wall Street Journal
The Blue Grass Airport board will cancel credit cards for the airport's top officials in light of widespread concern about excessive and inappropriate spending, including the revelation that three airport employees charged $4,500 at a Texas strip ...
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