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      August 3, 2015
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Credit Cards: The Lowdown Newsletter

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There's no doubt that credit cards have become an important part of today's society. And for good reason! Credit cards make buying easier - you don't have to carry around loads of cash or write a check every time you buy something. Credit cards protect you, the consumer - many credit cards offer purchase protection and travel protection that just isn't available with other forms of payment. And credit cards help to build up a reliable credit history, making it easier for you to purchase a car or a home.

When shopping for a credit card, there are dozens of cards to choose from. It can be somewhat intimidating to decide which credit card you should choose. Just remember that different credit cards are designed to appeal to different consumer needs. Find out what's most important to you in a credit card, and your decision becomes much easier.

To help you with your credit card decision, we've arranged several dozen credit cards into the categories below. Within each category, we've ranked the credit cards from best to worst. For example, if you suffer from bad credit or no credit, look at the Bad Credit Credit Cards. If you want a card that charges low interest rates, then look at the Low Interest Rate Credit Cards. Or if you're a student and just starting out establishing credit, look at the Student Credit Cards.

Once you decide on the credit card that you want, applying for it is easy. You can simply fill out online the secure form on the credit card application page. This normally takes less than 10 minutes, and typically you'll find out within 24 hours whether you've been approved for your credit card. Then your card should arrive within 5-7 days through the mail, and you'll be all set to start using your new credit card.

TopConsumerReviews.com has reviewed and ranked the best credit cards available today. We hope these reviews help you find the right credit card that meets your needs!

Disclosure: We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.

2015

Credit Card Reviews

Bad Credit Credit Cards

Bad Credit
Credit Cards

Business Credit Cards

Business
Credit Cards

Cash Back Credit Cards

Cash Back
Credit Cards

Debit Credit Cards

Debit
Credit Cards

Low Interest Rate Credit Cards

Low Interest Rate
Credit Cards

No Annual Fee Credit Cards

No Annual Fee
Credit Cards

Prepaid Credit Cards

Prepaid
Credit Cards

Rewards Programs Credit Cards

Rewards Programs
Credit Cards

Secured Credit Cards

Secured
Credit Cards

Student Credit Cards

Student
Credit Cards

Zero Balance Transfer Fee Credit Cards

Zero Balance Transfer Fee
Credit Cards

Zero Interest Rate Credit Cards

Zero Interest Rate
Credit Cards

Zero Introductory APR Credit Cards

Zero Introductory APR
Credit Cards

How to Avoid High Interest Rate
Credit Card Charges

Despite recent laws designed to protect the credit card consumer from unfair interest rate changes on credit cards, rate increases are still a normal practice and how lenders make much of their money. There are several steps you can take to avoid paying too much interest and that can mean the difference hundreds to thousands of dollars in savings. It's highly likely that you'll have to incur some type of rate increase with your credit card but, you may be able to mitigate the impact with several of the tips below.

  • Pay attention to your credit card statements. Review the stated interest rate each and every month to make sure you know what's going on. Read any and all rate change documentation you receive.
  • The easiest way to avoid paying more interest and being accessed a larger interest rate on your credit card is to pay off the balance, each month, before the grace period ends. Most credit card issuers give you around 21 days to pay off your new purchases before you'll have to start paying interest on the balance. Interest expenses show up on your statements as a finance charges.
  • If paying off the balance isn't an option you should make bigger payments. The smaller the credit card balance the smaller the accessed interest charges.
  • Avoid making late payments. Credit card companies are allowed to penalize card holders when they aren't making payments on time. They do need to contact you and give you 45 days notice before hiking up your interest rate.
  • Be smart with promotional rates. With any new credit card, always read the fine print to find out if the initial rate is considered promotional, or short term, how long that period is and what your subsequent rate will be.
  • If you've been notified that your interest rate is going up you have a couple of options. You can call your credit card company to attempt to negotiate the rate down. If they won't budge than you can tell them you'll find another company that will. Or you can reject the change. However, that may mean you'll no longer be able to make future purchases on that card but you'll be able to pay off the balance at the current rate - saving you significantly in the long run.

As a credit card customer you need to be proactive with managing how much interest you're being charged. This will mean significant savings to you over the course of one to several years from now. Paying off charges quickly, making timely payments and working with your lender are some of the key methods to keeping interest rates down.

 

 

 

Arroweye Solutions to Provide Digital On-Demand EMV Credit and Debit Cards for Mountain America Credit Union
New partnership and on-demand model will cut lead times, allowing for swifter card production and fulfillment
Publication Date: July 30, 2015

Electronic Commerce International Offers New Clover Mini Cutting-Edge Merchant Payment Processing Solution
Electronic Commerce International, a leading provider of payment processing solutions for merchants who accept electronic transactions for goods and services, has just released its latest product offeringthe compact Clover Mini with advanced payment capabilities.
Publication Date: July 31, 2015

Acculynks PayGov Announces Strategic Partnership with TouchPay
Robust Self-Service Kiosk Payment Solution Adds to PayGovs Technology-Leading Position
Publication Date: July 31, 2015

Construct-A-Lead Reported Today That the Following Ambulatory Surgical Centers Will Have the Necessary Approvals and Will Go Forward
Construct-A-Leads comprehensive online construction database supplies the enormous, yet highly under-served construction marketplace with valuable information for companies to be able to compete in this multi-billion dollar industry. The following Ambulatory Surgical Centers projects offer users insight into the areas construction activity.
Publication Date: July 31, 2015

cleverbridge to Present at Direct Response Forum 2015
Fraud Prevention Team Leader Tim Russo to share insights on EMVs Impact on Ecommerce and Omni-Channel Merchants
Publication Date: July 31, 2015

American Century Investments Expands its Liquid Alternative Capabilities and Launches the AC Alternatives Brand
New alternative investments options are designed to meet the ever evolving needs of clients.
Publication Date: August 03, 2015

Understanding Debit Transactions Can Reveal Opportunities
New Mercator Advisory Group research details processing flow of debit transactions and the impact of market changes on payment transaction routing
Publication Date: July 31, 2015

First Associates Loan Servicing, LLC Names Stephanie Jimenez as Vice President of Servicing Operations
Dynamic executive brings more than 25 years of operations management experience in financial services industry to rapidly growing loan servicing company
Publication Date: July 30, 2015

@Pay Introduces New Secure Text-to-Give for Mobile Fundraising
New service protects non-profit, faith-based, and political organizations from SMS donation spoofing fraud
Publication Date: August 03, 2015

National Debt Relief Shares the Best Expenses To Put on a Credit Card
National Debt Relief recently shared, in an article published July 27, 2015, some tips to know the best expenses to put on a card. The article titled What You Should And Shouldnt Put On Your Credit Cards aims to help consumers pick out the costs which they can pay using their cards to be able to take advantage of the various rewards programs of lenders.
Publication Date: August 03, 2015

Security Innovation and wolfSSL Join Forces to Deliver Dual Crypto Solution
Hybrid Cipher reduces risk of single point of failure and offers future-proof communication security
Publication Date: July 31, 2015

Randolph Savings Bank Urges Awareness of Fraud
Randolph Savings Bank is advising its customers and community to take a proactive role in protecting their personal information and security.
Publication Date: August 03, 2015

Common Issues Buyers Should Avoid When Applying For A Mortgage
The Federal Savings Bank shares some tips on what buyers should avoid when it comes to a mortgage.
Publication Date: July 31, 2015

DocuCopies.com Launches Text-Message Service to Alert Customers of Job Delays
The online printing company unveils their latest and greatest maneuver in the ever-waging war against production delays.
Publication Date: July 31, 2015

USAePay Announces Integration with Shopify for Credit Card Processing
This Integration Provides Card-Present Processing for Shopify Merchants
Publication Date: August 03, 2015

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