Credit Card Reviews

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Credit Cards

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!



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.

 



Credit Cards In The News

Southwest Airlines Introduces New Credit Card Offering Perks For Passengers

JP Morgan Chase (NYSE: JPM) and Southwest Airlines (NYSE: LUV) have partnered once again to release a new credit card featuring several benefits and perks for airline customers. The Southwest Rapid Re...

Published:  Fri, 20 Jul 2018 14:16:00 GMT



This Week In Credit Card News: Card Tips For College Students; Why Bank Branches Are Disappearing

In 2009, nearly 84% of college undergraduates had at least one credit card. Seniors were graduating with an average credit card debt of more than $4,100 in 2009, up from about $2,900 in 2004. By 2016, ...

Published:  Fri, 20 Jul 2018 12:18:00 GMT



Americans paid over $100 billion in credit-card interest in 2017-and they'll pay even more this year

Some people are living the high life, but many can't afford it, judging by recent credit-card data. All those interest payments add up. Americans paid banks some $104 billion in credit-card interest a...

Published:  Fri, 20 Jul 2018 06:57:00 GMT



Help ID burger-loving bad guy seen using credit card stolen from home burglary

Take a look at this burger-loving bad guy. he's a fraud suspect who Pierce County detectives say used a credit card stolen from a home burglary in Gig Harbor to feast at two fast food joints: A McDona...

Published:  Fri, 20 Jul 2018 16:37:00 GMT



Here's how much Americans are paying in credit card fees

As interest rates are rising, so are credit card rates. Continue Reading Below According to Magnify Money, which analyzed data from the Federal Deposit Insurance Corporation, Americans paid about $104 ...

Published:  Fri, 20 Jul 2018 10:50:00 GMT



How do I get out of $50,000 in credit card debt: personal loan or repayment plan

Question: I'm 64. My credit score is about 656. For different reasons over a long period of time - including unemployment and health issues - I accumulated credit card debt of about $50,000. I intend ...

Published:  Wed, 18 Jul 2018 02:00:00 GMT



Best Credit Cards for 2018

Hands down, we think the following credit cards are among the best of the popular offers we've vetted. So take a moment to review our short list of the best credit cards for travel, cash-back, balance ...

Published:  Wed, 18 Jul 2018 07:12:00 GMT



BGSU dismisses 2 football players for credit card theft allegations

Bowling Green's Armani Posey looks over to coach Mike Jinks as he gives the thumbs up to the photographer start the team photo during Bowling Green State University's football media day last year. BOW...

Published:  Fri, 20 Jul 2018 11:53:00 GMT



Police: Thieves walk out with more than $300 in groceries after stolen credit card fails

Usually the self-checkout line is reserved for customers with a small amount of items or those in need of a quick in-and-out experience. Instead, a La Porte couple is accused of using the self-checkou...

Published:  Fri, 20 Jul 2018 10:13:00 GMT




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