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Discover® More(SM) Card      0% Intro APR* More ways to earn more cash - than anyone else.SM* 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases automatically Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners Complete fraud protection for your peace of mind $0 fraud liability guarantee Advanced fraud early warning alerts Fraud specialists dedicated to helping you 24/7 Customer service that puts you first One call and we take care of it Talk to a knowledgeable person in less than a minute Easy online account options that put you in control Timely e-mail reminders to help you avoid fees No annual fee Formerly Discover Platinum Card *View Discover® Card Rates, Fees, Rewards and Other Important Information. • Click here for more info! I WANT TO APPLY FOR A Discover More(SM) Card

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Bank of America Platinum Plus® Visa® Card      Card issued by FIA Card Services, NA. Mini Card available Photo Expressions available 0% Intro Annual Percentage Rate (APR)† on purchases and balance transfers for the first 6 months. No Annual Fee Credit lines as high as $25,000 Online Banking Service Total Security Protection® • Click here for more info! I WANT TO APPLY FOR A Bank of America Platinum Plus Visa Card

• You just have to find the right Platinum Credit Card, and transfer your balance!
  
• Transfer your existing balance to a new 0% intro APR credit card with Balance Transfer credit cards
• Credit card balance transfer

Annual Percentage Rate:

It can either be "fixed" or "variable". Fixed-rate APR-s are usually a little higher, but you know exactly how much you will be charged each month. A variable or floating rate will fluctuate based on a published index.

For example: The APR on your credit card is 18%. Typically, credit card companies calculate that rate on either a daily or monthly basis. The daily rate is calculated on your daily balance and the monthly rate on your monthly.

Let's say you charge $800 for a new TV. Few weeks later, you get your bill and you decide to pay only the minimum. This is when finance charge steps in, and if your card works on a monthly basis, you will be charged 1-1/2% , (or1.5 %) interest on $800.

Where did the 1.5 % come from? That’s 18% divided by 12, as 12 months in a year. (Annual Percentage Rate).

Next month, when you get your bill, and you did not charged anything on your card, and you made your minimum payment of $15, you will be unsatisfised.

From the $15 minimum payment you made, $12 pays the interest and only $3 will reduce the $800 down to $797. — which does not seem like much progress.

This is where you have to be carefull. If you only make the minimum payment each month, most of your money goes toward paying off the finance charge—the amount you’re being charged on the money you’ve effectively borrowed from the credit card company.

So, if you borrow the money for a long time, you would end up paying far more for the product than you originally wanted.

This is why it’s far more smart business—to choose a card with LOW APR and pay not only the minimum payment but as much as you can !

Debt Relief: The Simple $10 Debt Elimination Solution

The first credit card was issued by Diners Club