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Shopping for Credit Cards
Changed Terms
In most states, credit card companies can change the terms of your card holder agreement with as little as 15 days' notice. Read the inserts that come with each credit card statement. If you don't like the changed terms, it's time to shop around again or call the credit card company. Tell them you plan to cancel your card unless it can give you a better rate or lower or no annual fees. Believe it or not, many credit card companies will comply with your request rather then lose your business. It's worth a shot.
Good Credit Card Deals
There are thousands of banks, credit unions, and other organizations that offer credit cards. Here are a few ideas on where to start your shopping:
- Your credit union. Credit unions often have the best rates.
- The Internet. Use the Internet to do comparison shopping. Many banks advertise credit cards on the Web. And some websites provide credit card comparisons. Try www.bankrate.com, www.cardweb.com, or www.consumer-action.org.
- Professional organizations and universities. Many professional organizations and universities offer credit cards with low interest rates and no annual fees to members or alumni.
FAQs
- If the financially troubled company is holding goods for me on layaway, can I still get my goods?
- What does a credit report look like?
- What may I do if the debt collector breaks the law?
- Are there special things to look for in a home-improvement contract?
- While I am trying to solve a billing problem, may a credit grantor threaten my credit rating?
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