Low interest, zero percent cards

Credit card interest rates jump, approach record highs -- Credit card interest rates reached their second-highest level on record after U.S. Bank raised rates on several of its cards. ... (more)

Fed proposes rules to limit credit card fees -- Credit card fees would have to be 'reasonable' and 'proportional' to the offense under new rules proposed by the Federal Reserve. ... (more)

Interest rates fall as 59.9% APR credit card goes away -- Interest rates pulled back from record levels this week, although cardholders may not have much reason to cheer. ... (more)

Interest rates surge higher as credit card reform arrives -- Banks jacked interest rates to record levels this week, getting in their final licks against consumers ahead of the new credit card regulations. ... (more)

New credit card era begins with latest CARD Act provisions -- It's a new day for credit cards. As of Feb. 22, new consumer protections within the Credit CARD Act of 2009 take effect. ... (more)

Interest rates edge lower just ahead of CARD Act implementation -- With the Credit CARD Act's implementation just days away, experts say competition for prime borrowers may help keep rates steady. ... (more)

No payments, no interest -- not anymore! -- Traditional 'no interest, no payment' plans are going the way of the dodo, done in by a change in federal law that goes into effect Feb. 22. ... (more)

White House to answer consumer questions about Credit CARD Act -- The White House will answer Americans' questions about the new credit card reform law during a live online town hall at 2 p.m. EST Feb. 22. ... (more)

Poll: On eve of credit card reform, few understand what new law holds -- Significant numbers of consumers are unaware of the most important elements of the new package of credit card rules. Worse, many have erroneous assumptions about what the new rules do address. ... (more)

Choose a credit card that matches your life stage -- Your finances change as you march through stages of life; shouldn't your credit card choice change, too? ... (more)

No change in credit card APRs this week -- Credit card interest rates were unchanged this week, as banks paused after pushing rates to heights not seen in more than two years. ... (more)

How and when to use 'emergency' credit cards -- It's the end of the month, you're down to your last dollar before payday and your car breaks down. What do you do? Do you pull out the plastic? ... (more)

Credit card reform arrives in the form of the Credit CARD Act -- The most sweeping credit card changes ever are being imposed on credit card issuers, which in the course of complying, are making dramatic changes in consumers' credit card accounts -- not all of them welcome. ... (more)

Interest rates keep rising as credit card reform looms -- As new credit card legislation draws closer, interest rates continue to rise, according to CreditCards.com's Weekly Rate Report. ... (more)

Credit card interest rates hit highest level since 2007 -- The holiday from rate hikes has ended -- in a big way. Interest rates on new credit card offers skyrocketed this week to their highest levels since October 2007, according to the CreditCards.com Weekly Credit Card Rate Report. ... (more)

Credit card interest rates drop once again -- Interest rates on new credit card offers fell again this week, according to the CreditCards.com Weekly Credit Card Rate Report, but the typical borrower may not benefit. ... (more)

New Year's personal finance predictions for 2010 -- You'll change the ways you and your family will spend, borrow and save, experts predict. ... (more)

Credit card rates dip again, but more hikes likely coming soon -- Interest rates on new credit card offers declined slightly this week, although experts say that dip doesn't mean cardholders should expect borrowing on plastic to get cheaper anytime soon. ... (more)

Sorry, you can't opt out of a credit card rate increase from promotional rate -- Promotional (teaser) APRs are temporary and that was disclosed when you got the credit card, so you can't opt out of the new, higher rate. ... (more)

Credit card interest rates keep climbing higher -- Interest rates on new credit card offers climbed higher this week, according to the CreditCards.com Weekly Credit Card Rate Report, as banks continue to charge cardholders more to carry a balance. ... (more)

Credit card interest rates keep moving higher -- Credit card interest rates jumped slightly again this week, as banks continued to make it more and more costly for consumers to use their plastic. ... (more)

Credit card interest rates unchanged after holiday -- Credit card issuers took a holiday from raising interest rates this week, as experts began to see signs that consumers' access to credit may be starting to ease. ... (more)

BofA rate hikes push national average credit card APR higher -- Annual percentage rates on new credit card offers rose slightly this week, according to the CreditCards.com Weekly Credit Card Rate Report, as Bank of America increased rates on two of its cards. ... (more)

CreditCards.com survey: Retail credit cards boost rates, cut rewards -- Even more hard-hit than regular credit cards, retail cards are reducing reward programs and raising rates to compensate for their higher charge-off rates. ... (more)

Credit card APRs fall sharply, but you shouldn't get too excited -- Annual percentage rates on new credit card offers fell sharply this week, according to the CreditCards.com Weekly Credit Card Rate Report, but don't expect your APR to drop, too. ... (more)

Credit card rates' ascent shows no sign of slowing -- It just keeps getting more and more expensive to be a credit cardholder -- and analysts say there's little change in sight. ... (more)

Rates steady this week, but banks keep tweaking other terms -- Banks may have left rates unchanged this week, but they nevertheless made some changes behind the scenes that could impact cardholders' pocketbooks ... (more)

Debt can slow down retirement goals -- Debt happens. But how you handle it depends on whether you take charge of it or you allow it to take charge of you. ... (more)

When the no-interest, same-as-cash deal clock runs out -- If you aren't diligent about paying off a balance during the a no-interest period, you face the high-interest gauntlet. Here's what you can do. ... (more)

Credit card interest rates push higher again -- APRs on new credit card offers inched up to 12.64 percent this week, says the CreditCards.com Weekly Credit Card Rate Report. This continues recent trends of rising interest rates this year, as banks continue to make moves ahead of a new card law. ... (more)

Credit card rates flat as banks look for other ways to boost profits -- Interest rates may be flat, but don't cheer yet: Banks are simply shifting their money-making strategies, experts say. ... (more)

Credit card APRs fall slightly, reversing recent rate-hike trend -- Credit card interest rates dropped slightly this week, after several banks made a commitment to abstaining from additional rate hikes. ... (more)

Major issuers' rate hikes send national average card APR higher -- Several credit card issuers raised interest rates this week, driving the national average annual percentage rate on new credit card offers upward for the third straight week to 12.64 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (more)

American Express boosts national average credit card interest rate -- American Express this week raised annual percentage rates on several of its card offers, pushing the national average APR higher for the third time in four weeks. ... (more)

APRs rise, even after Fed leaves rates unchanged -- The Federal Reserve chose to leave lending rates unchanged earlier this week, but credit card issuers didn't follow suit. ... (more)

How to build a better credit card portfolio -- Standing pat with one card isn't a smart move today. Allocate credit as you do assets, strategically trimming or adding cards to get the most out of each. ... (more)

Credit card rates steady as banks struggle with uncertain economy -- Amid mixed economic signals, banks kept interest rates unchanged on credit cards offers this week at 12.28 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (more)

After a pause, credit card interest rates resume upward march -- After staying flat the previous week, the national average interest rate on new credit card offers rose to 12.28 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (more)

How to safely, securely destroy a credit card: 6 tips -- With credit card fraud and identity theft on the rise, a single scissor snip won't cut it anymore. ... (more)

Consumer credit plunges record $21.5 billion in July -- Consumer debt fell by an unprecedented $21.5 billion in July, according to new Federal Reserve data, as consumers continued to shy away from borrowing in the recession. ... (more)

Credit card APRs steady, though banks are tweaking other terms -- Even as banks continue to tinker with their business models in reaction to new credit card legislation, the national average annual percentage rate on new credit card offers was unchanged this week at 12.17 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (more)

After run of rate hikes, banks leave APRs unchanged -- Banks paused this week following a recent run of interest rate increases, leaving the national average annual percentage rate on new credit cards unchanged at 12.17 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (more)

How magnets can ruin credit cards -- "Demagnetization" can render a card useless; know what to do if it happens. ... (more)

Help with credit card debt -- Whether you're trying to dig out from under debt or just avoid it in the first place, our Credit Card Help section can help you make better decisions. ... (more)

Consumers gain right to opt out of credit card rate increases -- The first phase of the new Credit CARD Act of 2009 kicked in Aug. 20, lengthening notice requirements to 45 days and giving consumers the right to opt out of rate increases. ... (more)

5 new rules in the credit card balance transfer game -- Transferring a credit card balance used to be so easy and painless that some consumers referred to it as a game, but that game has changed. ... (more)

4 ways to fight minimum payment increases -- Thousands of credit card customers were surprised by news that their credit card minimum payments will more than double. Find out what your options are. ... (more)

Credit card APRs jump for 4th time in 5 weeks -- Following a brief pause last week, the national average annual percentage rate on new credit card offers rose for the fourth time in the past five weeks to 12.06 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (more)

After weeks of increases, credit card APRs finally stand still -- Ending a streak of three straight weekly APR increases, the national average interest rate on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. Just don't expect it to last. ... (more)

Credit card video: How to opt out of an APR increase -- The Credit Guy -- Todd Ossenfort of Pioneer Credit Counseling -- explains how to opt out of changes to your credit card agreement, specifically changes to your APR ... (more)

Credit card APRs rise for third straight week -- Borrowing money on a new credit card continues to become increasingly expensive, as banks work to protect themselves from a weak economy. ... (more)

Credit card interest rates keep moving higher -- The cost of using credit cards continues to rise, giving consumers yet another reason to keep their plastic in their wallets. ... (more)

Credit card interest rates rise ahead of new law -- Regulations plus recession make card issuers pull the APR trigger and hike cardholders' rates. ... (more)

CreditCards.com's Weekly Rate Report: Rates barely lower -- The national average annual percentage rate on new credit card offers edged barely lower this week, according to the CreditCards.com Weekly Credit Card Rate Report, but analysts expect interest rates to rise in the not-too-distant future. ... (more)

CreditCards.com's Weekly Rate Report: Rates unchanged -- Credit card interest rates didn't move this week, but experts say recently introduced laws and an eventual economic recovery likely mean higher credit card APRs in the not-too-distant future. ... (more)

New law bans card payment allocation trickery -- If you use your credit cards for balance transfers or cash advances in addition to making purchases, your credit card payments will soon go further, starting in February. ... (more)

Personal finance experts reveal which credit cards they use and why -- Personal finance experts reveal which credit cards they use -- and why. ... (more)

Your options for negotiating outstanding debt -- If your income has been dramatically reduced, then you may qualify for some assistance from the creditor that might not negatively affect your credit score. ... (more)

How to react to a 'rate-jack' attack -- The bad news is in. Your credit card issuer has sent a change in term notice of an impending interest rate hike on your account. But you have options. ... (more)

Credit Card Help: 7 things you must know about credit cards -- Forge a positive and fruitful relationship with credit cards by learning the basics before you apply for an account. ... (more)

Credit Card Help: 8 tips to keep credit card rates and fees low -- As the cost of credit creeps ever higher, micro-managing your finances is assuming greater importance. Here are 8 tips to help you keep your interest rates and fees low. ... (more)

Credit card interest rates - interactive graphic on APR changes -- Since coming under financial pressure, credit card issuing banks have stopped passing along rate cuts from the Federal Reserve, CreditCards.com data show. ... (more)

7 tips for starting a credit history amid an economic crisis -- In today’s rocky economy, those seeking credit for the first time must adopt new strategies, think creatively. ... (more)

Don't like your credit card terms? Just switch, right? Maybe, maybe not. -- If you don't like your credit card, just get a new one, right? Not so easy any more. ... (more)

Despite media reports, with good credit, you can get a credit card -- "Credit crunch." "Card issuers tightening their belts." "Credit limits cut." "Interest rates jacked." You've seen the headlines, but just how bad is it? Can you still get a credit card? ... (more)

Credit card balance transfers: The landscape is changing -- Balance transfers are valuable tools, but the radically changed 2009 landscape means they're trickier and harder to find. ... (more)

6 steps to a successful credit card balance transfer -- Balance transfers aren't easy any more. Take these steps to increase your odds of success. ... (more)

9 predictions for credit cards in 2009 -- This has been a tumultuous year for credit cardholders and issuers. What does 2009 hold? We'll take a look. ... (more)

Credit card debt consolidation -- Credit card consolidation may be right for you if you are facing high interest rates. ... (more)

Become debt-free with credit card debt consolidation -- If you have a large outstanding credit card balance, now might be the time to consider your credit card debt consolidation options. ... (more)

Store credit cards still offered, but approvals become stricter -- While it may sound enticing to save 15 percent off your purchase at the checkout counter by applying for that retail credit card, your chances of getting approved for a store credit card are getting slimmer. ... (more)

The pros and cons of charging a luxury car on your credit card -- While charging a luxury car on your credit card may yield a lower interest rate, the risks are higher than a traditional fixed rate loan. ... (more)

How credit card balance transfers affect your credit score -- When a consumer is faced with a high-rate card, switching to a lower-rate card is smart, if you do it right. ... (more)

When is the right time to retire a student credit card? -- If your student credit card has a low credit limit and high interest rate, you should look to graduate to a better card. ... (more)

Fed leaves rates unchanged; card rates to stay put -- The Federal Reserve, as expected, left a key interest rate unchanged. ... (more)

Low interest rate and rewards credit cards can put cash back in your pocket -- With food and gas prices escalating, Americans need to budget more carefully than ever before, including resisting the short-term solution of charging up debt on credit cards. ... (more)

Business credit cards: 5 ways to avoid being stung -- Compared to business loans, credit cards are easy to get. But that makes them easy to abuse, too. Here are 5 ways to avoid getting stung. ... (more)

Being 'green' with credit cards -- Opting out of paper credit card statements is one way to protect the planet for Earth Day. ... (more)

Laid off, debt climbing -- If you have savings, there are ways to decrease reliance on credit cards by setting up a short-term income strategy, says Alan Klayman in the debut 'Maturing loans' column. ... (more)

Trying to thwart recession, Fed cuts rates by 0.75% -- The Federal Reserve, as expected, slashed a key interest rate, but whether that cut will be passed along to individual cardholders depends on the bank, the card agreement and the credit standing of the consumer. ... (more)

Card issuers' bad earnings reshape credit card offers -- The awful annual results reported by credit card issuers may not be felt only by shareholders. They have begun to cause pain to some credit cardholders, as well. ... (more)

Credit card balance transfers -- This series of articles will help you figure out the best way to transfer and consolidate the balance of your debt. ... (more)

Health care credit cards rise to fill insurance gap -- As the ranks of the uninsured soar and medical costs rise for those with insurance, a new generation of health care cards is emerging on the market, but not everyone is cheering their arrival. ... (more)

Comparing health care credit options -- Credit card issuers are offering a growing number of options for financing medical expenses. Use this table to compare and find the best deal. ... (more)

Fed rate cuts and your credit card -- The Federal Reserve's rate-setting committee, trying to give a flagging economy an adrenaline boost, again lowered a key short-term interest rate Wednesday. ... (more)

Q&A: Pawn off $10,000 credit card debt on son? No way! -- The Credit Guy, who answers readers' questions for CreditCards.com, thinks this parent can pay off the delinquent bill. ... (more)

Holiday credit card debt solutions -- Climbing out of holiday debt isn't easy, but it has to be done. Here's how to assess the damage and get a plan together. ... (more)

Credit Score - Protect yours with a debt consolidation plan -- In order to protect their credit score, many consumers are seeking debt consolidation loans. ... (more)

21 resolutions to beat credit woes and debt regret -- Minimize debt and maximize credit advantages in the coming year with these 21 credit and debt resolutions. ... (more)

Disclosures would increase on subprime credit card fees -- Subprime cards carry upfront fees that the Federal Reserve board contends are not clearly disclosed to customers. ... (more)

Regulation Z proposed changes for minimum payments -- Credit card companies and credit issuers would have to tell account holders how long it would take to repay loans if they make minimum payments. ... (more)

Regulation Z amendments would require changes in credit card terms -- Regulation Z amendments would require changes in credit card terms to be displayed in a table for easy reading. ... (more)

Rules for credit card periodic statement disclosures -- Under proposed federal rule changes, monthly credit card statements would include tables to clearly disclose fees, interest, purchases and other details. ... (more)

Credit card reform: The fine print of proposed changes to Regulation Z -- Regulation Z requires creditors to disclose all costs and terms before a new credit card's first use. However, according to the board, "Currently, there are few ... (more)

Regulation Z rules proposed for credit card fee disclosures -- Credit card companies would have to clearly disclose fees charged to credit cardholders. ... (more)

Regulation Z would require credit card APR disclosure rules -- Regulation Z would require credit card companies to clearly disclose APRs. ... (more)

Regulation amendments propose fixed rate credit cards -- Fixed credit card rates would actually be fixed under Regulation Z amendments. ... (more)

Reg Z proposes credit card notice of term changes to 45 days -- Changes in terms of credit card contracts would need 45 days' advance notice. ... (more)

'Regulation Z' overhaul to change credit card fine print rules -- The Federal Reserve Board has proposed the most sweeping changes in nearly 30 years to credit card disclosure rules, known as Regulation Z. ... (more)

Regulation Z: Feds move to change credit card rules -- The Federal Reserve Board is likely to decide on final credit card disclosure rules in 2008. ... (more)

How the public feels about Regulation Z proposed changes to credit card disclosure rules -- Comments from consumers, credit grantors, payment processors and others on proposed changes to credit card disclosure rules ... (more)

The history of credit cards -- A history of credit cards, including the first general use credit card and the first charge card. ... (more)

The short, unhappy life of a credit card -- On average, a card lasts must three years before delamination, degaussing or (ulp!) scissors, so CreditCards.com asked one credit card to reminisce about its short unhappy life. ... (more)

Anatomy of a credit card -- Ever wonder what all those numbers mean, or what's on that black stripe? Find out here. ... (more)

8 ways to compare credit cards -- Compare credit cards with ease and use the information to get the best deal. ... (more)

Credit freezes go national, get chilly welcome -- All three major credit bureaus have rolled out credit freezes as an identity theft fighting tool, but consumer rights groups say the changes don't go far enough. ... (more)

11 steps to help older debtors get out of credit card debt -- Experts list 11 ways for middle-age adults to get finances in order and pay off credit card debt. ... (more)

Credit card arbitrage: Easy, but dangerous money -- Credit card companies usually make money from consumers. For a few daring consumers, it's the other way around. ... (more)

Pro football credit cards debut from NFL, Bank of America -- Credit cards for the sports nut have gone pro, just in time for the kickoff of the National Football League season. ... (more)

CreditCards.com editorial corrections policy -- CreditCards.com strives to publish accurate information. If you believe we have published something in error or wish to comment on an article, please e-mail us at editors@CreditCards.com. ... (more)

Artist peddling designs for your credit card -- Anthony Adams makes unique credit card designs and skins. Read more at CreditCards.com. ... (more)

Buying a car with a credit card -- Using a low interest credit card rather than a car loan to finance a car could be an option, as long as you are aware of what could trigger an increase in the card's APR. ... (more)

Low Rate Credit Cards: Keeping it low by paying fees -- Keep interest to a minimum on low rate credit cards by paying bills on time. ... (more)

Credit card rates: How to get them lowered -- Lower your credit card rates with these tips. Save money on interest. ... (more)

Bank of America Platinum Plus Visa Card offers low interest and more -- The Bank of America Platinum Plus Visa Card is a low interest credit card that also provides cardholders with other great features. ... (more)

Consumer debt could impact holiday retail sales -- Credit card debt impacting your holiday spending? You're not alone. ... (more)

Be credit card savvy when shopping for the holidays -- Knowing a few things beforehand can make holiday shopping with a credit card a much better experience. ... (more)

Low Interest credit cards provide safety net for cash-strapped consumers -- Low interest credit cards act as a safety net to make ends meet during tough financial times. ... (more)

Bank credit cards designed and targeted to banks' own customers -- Low-fee, high-rewards bank credit cards available only to a bank's customers gain popularity. Read more at CreditCards.com. ... (more)

Credit card digits: Understanding numbers on a credit card front and back -- American Express, MasterCard, Visa and Discover all have 16 numbers -- but all those numbers have different meanings ... (more)

Credit card debt information (2006-2007) -- Listing of facts and statistics related to the credit card industry and personal debt. ... (more)

What's your credit card lifestyle? -- How to leverage cash back credit cards, frequent flier airline miles and other perks of reward credit card programs. ... (more)

What to look for in credit card specials -- When looking for credit card special promotions, weigh carefully which will work best for you. ... (more)

0% APR or low interest rates can save you money -- Many times, credit card companies offer a low "introductory" rate that will give you a low interest rate on a credit card for only a ... (more)

Low Interest Credit Cards: Learn how to save money -- Find out how you can save money with low interest credit cards and introductory rates at CreditCards.com ... (more)

Zero percent credit card offers: here to stay or a passing fad? -- A recent history of low interest, 0% introductory rates and low introductory rates on credit cards; discusses 0% intro rates offers for the personal credit card and what 0% APR balance transfers mean for consumers transferring balances. ... (more)

Fixed rate credit cards from CreditCards.com -- Learn about variable versus fixed rate credit cards at CreditCards.com. ... (more)

Using low APR credit cards to become debt free -- If you carry a balance, shop hard for a low interest rate card. ... (more)

Credit Card Terms: A glossary of commonly used words and terms. -- Understand commonly used words, phrases, and acronyms in the credit card industry with this credit cards glossary. ... (more)

Online credit card applications: FAQ about CreditCards.com and your card application -- If you're wondering whether it's safe or smart to apply for a credit card here at CreditCards.com, it's both. Here are answers to frequently asked questions. ... (more)

Low Interest Rates: Save thousands and stay out of debt -- To avoid debt, track your spending and use a low interest credit card. ... (more)