Low Intro APR
No Annual Fee
Cash Back
Reward Cards
VISA
Mastercard
Business Credit C.
Balance transfer
Student Credit Cards
Frequent Flyer
Gold Cards
platinum Cards

Advanta
American Express
Bank of America
Bank One
Chase Manhattan
Discover

Bankruptcy
Slow Credit
Average Credit
Excellent Credit

What is better than cash? Stolen credit card is the answer. The situation worsen since the introduction of online shopping.

As such, it's wise to be proactive in preventing such thing from happening to you. Furthermore, the responsibility always lies with credit card holders to safeguard their credit cards.

Here is a list of important Do's and Don'ts to safeguard your credit card.

DO...

- Always treat your cards like cash.

- Keep your card number confidential.

- Sign up your new cards as soon as they arrive and cut up the old cards when they expire.

- Sign your credit card in permanent ink as soon as you receive it.

- When making a purchase, ensure that the salesperson processes your transaction in your presence.

- Check your card when it is returned to you by the cashier to ensure that it is yours and that it has not been tampered with any way.

- Total your charge slip before signing in, as blank spaces serve as an invitation for unscrupulous individuals to ass additional amounts.

- Always retain your receipts so that you can check them against your statement.

- If unfamiliar transactions are posted on your statement, inform your card issuer straight away.

- Keep your statements in a safe place - they contain sensitive information.

- Before discarding old statements, even of closed accounts, shred them into small pieces.

- Inform the card issuer when you are travelling overseas.

- Notify card issuer of any change of address, so new cards/statements are not sent to the old mailing address.

- Should your card be stolen or is lost, inform card issuer immediately. Always keep card issuer contact number at hand.

- Only provide your SSN(Social Security Number) and credit card information to parties with whom you have initiated the call.

DON'T...

- Never allow anyone else to use your card. It is yours and yours alone.

- Never write your personal identification number(PIN) on your credit card.

- That way you can avoid any unauthorized cash withdrawals from the automated teller machine(ATM)

- Do not give any credit card information to individuals soliciting sales over the phone.

- If you receive calls from a party claiming to be your card issuer and the caller requests for your account number, do not give it. If the call is from your card issuer, the caller would know your account number.

- Do not sign a blank charge slip, draw a line through the lines above the total amount and destroy any carbon and cancelled receipts immediately.

- Do not leave expired card lying around.

Back to the Articles

Yes, low APR credit cards are on the rise. Many credit cards are competing for your business to give you the best and lowest rates available today. There are so many credit cards from you to choose from that they are doing all kinds of things to get your attention including lowering their interest rate and giving you no annual fees.

Why is this happening? Because there are so many credit card companies. They all want your business and this is an attractive incentive to get you to apply and own one of their credit cards. If you choose a low APR credit card over one with 19.99 percent you are sure to go with the lower APR.

The only problem is that sometime these 0% and low APR credit cards are only promotional ways to get you to apply and then later your interest rate will rise. Many credit card companies have low APR credit cards for a certain amount of time such as 3 months, 6 months and some up to one year. You will have to compare to find out which one keeps the lower APR after the promotional period to ensure you are getting the best deal around.

No matter what the reason low APR credit cards are here to stay as long as the companies are competing for your business. Just remember to compare everything they offer besides the lower interest rate. You may find that several credit card companies are now offering other wonderful incentives for you to apply with them such as reward programs.

No matter which company you choose, you will enjoy the low APR credit cards even if it is only for a limited time. You will be able to save money on your purchases because you will not have to pay any interest until the promotional period is over. Just be sure your balance is very low when the interest rate kicks in and you will be fine.