Access credit report Bowling Green

Annual Fee- Some card issuers (notably access credit report Bowling Green American Express and other charge cards) charge access credit report Bowling Green an annual fee. They can range from access credit report Bowling Green $40 to $200 or more, depending on the card. Most credit cards (Visa, MasterCard, Discover) do not charge an annual fee. APR (Annual Percentage Rate)- The interest rate applied to your balance if it is not paid off in full by the end access credit report Bowling Green of the billing cycle. credit history free Yet even a fixed rate can change, but the creditor must inform you in writing. There are also different APRs for different types of balances- balance transfers access credit report Bowling Green or purchases. Balance- The amount you owe the credit card company at access credit report Bowling Green any given time. credit checking

The higher your balance, the lower your available credit. Balance Transfer- The process of moving debt from one creditor to another. Card issuers often offer low interest rates on balance transfers to entice new business. Credit Limit- The maximum amount you can charge to your card.

If you go over this limit, heavy fines are applied by the creditor. Grace Period- The amount of time after your payment due date and before late fees are applied to your account. If you have already used your grace period in a previous month, you may not have one available. get free online credit report Balance transfers and cash advances usually do not have grace periods. Introductory Rate- Also called a Teaser Rate, this is when credit card companies offer low introductory interest rates to get your business.