Credit Card
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A credit card is a small plastic card issued to users as a system of payment. It allows its holder to buy goods and services based on the holder's promise to pay for these goods and services. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user. A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. Most credit cards are issued by banks or credit unions, and are the shape and size specified by the ISO/IEC 7810 standard as ID-1. This is defined as 85.60 × 53.98 mm (3.370 × 2.125 in) (3/8 × 2/8 in) in size. From Wikipedia under the
GNU Free Documentation License Nouncredit card (plural credit cards)
From Wiktionary under the
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GNU Free Documentation License ) askwiki.blogspot.com 362 x 454px [source page] The Logic Behind a Credit Card From Google Image Search: "credit card" colbertnation.com Mon, 11 May 2009 00:00:00 PDT Credit card companies are part of an honest industry just trying to make 30% on a buck.. colbertnation.c om. From Google Video Search: "credit card" Are credit card protection plans good for really really old people? Q. They typically run .99 per $100 and the deal (supposedly) is that if after 90 days of coverage, the cardholder croaks, that they credit card amount owed is forgiven. In the case of elderly people in not the best of health and with large credit card debt ($5000+) is this a good idea? You'd basically be paying $500 a year and betting that you're going to be keeping a high credit card balance and that you'd be likely to croak relatively soon. Asked by petra - Fri Dec 5 12:14:29 2008 - Credit - 5 Answers - Comments A. Most of those plans have age limits. So, it's unlikely that they would be available to anyone older than 70 - btw what is your definition of "really old?" Just curious 'cause I'm over 50! LOL In general, those credit card protection plans are ripoffs. It makes more financial sense to buy regular old term life insurance. Much less expensive, and it covers anything you want it to. Answered by doreen k - Fri Dec 5 13:00:21 2008 Closing a credit card account that is inactive? How much will it affect my credit report?
Q. I've had this account for about two years, and I haven't used it in a long time, and I'm thinking of closing it but I don't know how it would affect my credit report. This is a secure credit card, with only a $300 limit. I have two other credit cards that I use a lot more often and I've been very responsible about paying bills on time. Asked by jenahfah - Sat Feb 24 13:49:01 2007 - Credit - 4 Answers - Comments A. If nothing else, use it for a small purchase at least once a year and pay it off. If you do not use an account for 12 months, they might close it on you anyway. What hurts your credit the most is abuse, failure to pay, or using more than 30% of your limits. If you have three cards and pay them off each month, then spread the debt out so that no one card exceeds 30% of its limit. Having a card even with only a $300 limit, is $300 worth of credit. As soon as you close it, your available credit drops by $300, which could hurt you. If any of your cards are charging annual fees, consider getting another card with a higher limit and no fees. After you get the boost of the extra credit limit, then close the card with the fees. Answered by JD_in_FL - Sat Feb 24 13:58:11 2007 From Yahoo Answer Search: "credit card" |
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