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Help, Tips and Links


Credit card should use wisely. Should not be use to fully replace cash, always have the cash to secure your spending. Credit card use poorly can run you into debt, and can cause finanical nightmares.

Cash Advances

Most credit cards impose both finance charges and a transaction fee on cash advances. Interest starts from the day of the advance, and the transaction fee can be up to 2.5% of the amount taken. Beware of cards advertising "no finance charges." Transaction fees may still apply


When you carry a balance from month to month, there is no grace period on new purchases on most cards. The 20-25 day grace period where no finance charges accrue does not apply when you don't pay in full each month.


You may be paying over $50 per give year for membership fee, and interest rates over 18%. Most credit card companies will lower your rate if you are in good standing. 

Annual Percentage Rate (APR)

A measure of the cost of credit that expresses the finance charge, which includes interest and may also include other charges, as a yearly rate.




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