Credit Card Articles from FINANCIOLOGY.COM Free Article Directory

Search our Site:

Credit and Debt
Credit card
Credit union
Debit card
Debt consolidation
Loan
Moneylender
Mortgage
Pawnbroker

A credit card is part of a system of payments named after the small plastic card issued to users of the system. The issuer of the card 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, where a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers to 'revolve' their balance, at the cost of having interest charged. Most credit cards are issued by local banks or credit unions, and are the same shape and size as specified by the ISO 7810 standard.

Credit cards are issued after an account has been approved by the credit provider, after which cardholders can use it to make purchases at merchants accepting that card.

When a purchase is made, the credit card user agrees to pay the card issuer. The cardholder indicates his/her consent to pay, by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a Personal identification number (PIN). Also, many merchants now accept verbal authorizations via telephone and electronic authorization using the Internet, known as a 'Card/Cardholder Not Present' (CNP) transaction.

Credit Card Subcategories Personal Loan > Bad Credit > Credit Cards > > Credit Report > FICO > Credit Report > Adverse Credit > Credit Report > Credit Score > Credit Report > Credit Repair > Adverse Credit > > Bad Credit > > Credit Score > > Credit Repair > > Credit Card Articles Let's talk about financing -Saving money for investment 5/5/08 by Mike Samadi Jan 04, 2009 (Copyrighted Material) As the stock - the housing - or the financial market are causing emotional rage among people and no one actually knows what should be done, let’s see if you can take handle of your credit, financing and money a little better. ... Daily Techniques to Eliminate Credit Card Debt by Eric Transue Jan 04, 2009 Tackling credit card debt on a daily basis means instant satisfaction for the card holder. Using techniques that allow you to sacrifice, set short term goals and celebrate the ever-shrinking debt ensure that the repayment process will be a success... Debt Management: Manages Your Debt And Lessens Your Troubles by Elaine Owen Jan 03, 2009 Managing debts had never been as good and easy as it is now. You will have to do nothing but to approach a debt management expert only when you think that repaying your debts is... Why Do Your Banking Online? by Alisdair Cosgrove Dec 31, 2008 Managing your finances can be difficult and time consuming at the best of times, and the last thing that most people want is to have to spend long periods of time on the phone to their bank, especially if it means being put through to a foreign call ... Learn how Debt Relief Grants help you by jessica thomson Dec 29, 2008 Due to the change in the living trends of the society, we are bound to maintain our pace. And in order to maintain our speed with the society, we sometimes mess our own lives. We go on taking loans without giving considerations to its consequences. A... Credit Card Benefits by Heena Vasvani Dec 25, 2008 Swipe the card and get what you want. This is the way it works. People are ready to pay interest on what they spend to get that ease. Let’s learn what the real benefits of having a credit card are and how to really use them to your advantage. Co... Where Can I Find Debt Consolidation Information - And How Can I Get Started? by Daniel Major Dec 23, 2008 Millions of people find themselves in debt every year. If you are one of these people, you're probably asking this question: "Where can I find debt consolidation information?" You may be able to go to your mortgage lender, your bank or credit union ... Credit Card Consolidation: Research is the key. by Daniel Major Dec 23, 2008 Everyone in this world deserves a second chance at help with their finances. You should really not consider bankruptcy until you look at some information about debt consolidation. Just make sure that you do some research before you pick one of the ma... Enter into the modern world with Credit card by Alice Erin Dec 23, 2008 Some years before, nobody knew about the plastic money. But today, Credit cards are in vogue. Almost, every person wants to have such a card because it is a very useful tool to track his expenses. If somebody possess such cards and want to go... Credit Card Consolidation: The Responsible Option. by Daniel Major Dec 22, 2008 Credit card offers are a sea of temptation for many people. Soon after a person graduates from high school, he or she will most likely begin receiving offers for credit cards from various financial institutions. In a short matter of time, it is easy ...