Plastic Credit Cards Credit cards are plastic coated debts that you will pay over a course of time. If you have or plan to get a credit card, make sure that you understand all the details lay out in the terms. Grace periods are often extended to 25 days; however, few companies will try to get away with sending the debt before the due date to put your back against the wall. They will often do this in an attempt to charge you fees on late charges. You are obligated under the terms to pay before the grace period, therefore, hold up to you end and if they try to go over their end, be sure you file a complaint. Credit cards can come in handy when cash is low. Visa, MasterCard, American Express are few of the many cards online. If you need student visa, travel, or small business credit line, it is online for the taking. You do not even have to have a small business or be a student nowadays to get a credit card. If you need a card all you have to do is apply. The basics are you need a job, a copy of your credit report, and a bit of information to provide to the credit card issuer. Be sure to read the terms and conditions carefully before applying. The terms and conditions is where you will find information that is not supplied on the advertising slicks. Many of Visa credit cards offer a 0% Introductory APR on all your purchases and balance transfers and no annual fees. Grace periods may be interest-free as long as you pay your bill on time each month. Some Visa cards supply a point system or a cash back system. You can earn money while you are spending. After you have earned enough points, you can trade the points in for a trip, stereo, or whatever the company is offering. Visa cards may offer a 2% or more cash rewards on your purchases with a cash reward limit of $500 each year. Make sure the card that you select offers a 100% guarantee against fraudulent. Some cards lenders may not care if your card is stolen and charge you anyway, or others may charge set amount for the charges to your card. If you do not have a credit report when begin your Visa credit card application, you can receive a report if you are turned down. The credit report will be of no charge. However, if you elect to obtain a credit report before filling out the Visa application you may have to pay a small fee. While you are searching for a credit card online, do a random search and review each card and what the lenders offer to you. Some lenders may offer better opportunities than others may. Citi® Platinum Select® Card offers 0% APR for up to nine months, and 9.49% APR after the introduction phase. Chase Platinum Visa®/MasterCard® offers 0% APR up to six months and as low as 8.74% Annual Percentage Rates after the introduction trial. Discover® Platinum Cards offer 0% Introductory APR for 6 months or one year with fees as low as 7.99% after the introductory period has ended. AT&T Universal Platinum MasterCard® offers 0% APR for 12 to 15 months with a 9.49% APR after the introductory period. Citi has a variety of credit cards at various rates. Some of their cards may offer a cash back program just as other card suppliers may have the same or similar offers. Citi® Driver’s Edge® Platinum Select offers 0% APR for 12 months and you can earn 5% rebates on purchases for nine months and 1% thereafter. Citi® Dividend Platinum Select® offers 0% APR for 9 months and you can earn 5% cash back at supermarkets, drugstores, and gas stations. You can earn an additional 1% on all other purchases. No matter which card you chose you want to find the cheapest credit card, with the cheapest interest rates, and if possible, cash back programs with the highest cash backs available. Note: Prices may vary with different companies.