Credit cards and charge cards serve the same basic purpose... to charge purchases for payment later. As such, the term 'charge card' is often used to describe both although there are important differences.

ConsumerFinance.gov developed a shorter, simpler credit card agreement that spells out the terms for the consumer. Note that this is not a model form, and use is not mandatory. This simplified approach will help consumers better understand their credit card agreements.

Apply online, and learn he Benefits of a Pre-paid Credit Card. Read our free article:

Learn what is a preapproved credit card and apply online. You may already be pre-approved. Read our credit card article:

No deposit credit card: Apply online, and read our credit card article: Click Below to continue...

Have a difficult time choosing a credit card so you just apply for a lot of cards? Don't jeopardize your credit score and make bad credit even worse.

Why is a platinum credit card only for good credit people? Read our credit card article to learn about prequalification.

Article: Choosing a Credit Card Offers - which is best and best for you? Not only are there different issuers, there are many different types of credit cards, so how do you choose a card that's right for you?

Get shopping rewards through special Christmas credit card offers.

Christmas credit card and shopping tips. Best Christmas gifts are low interest credit cards. But use it safely! Read our free Christmas Card Shopping Tips, and apply for your Christmas charge card. Click to Read More!

It's clear to see that the credit industry should be deregulated, just by reviewing Government credit card regulation affects.

There are different kinds of credit cards not only for various credit scores, but also for special uses from establishing or rebuilding credit to earning rewards. With credit card education you will be best able to choose the right deals for you.

Credit card tips: There are a lot of choices and variables to choose from, whether you want a secured prepaid card or an unsecured credit card.

The purpose of a credit card to rebuild credit scores is to re-establish a positive credit history. Use the card to make small purchases that can be paid in full each month.

When you need a credit card for bad credit, consider banks and credit card companies that specifically offer subprime cards to rebuild credit scores. There's no sense in wasting your time; and having unnecessary inquiries into your credit report, by applying for high limit or rewards cards.

Free credit card account advice about the rates and fees for new card offers before you submit an application.

Get the maximum benefit of 0 intro balance transfer credit card offers by reading these free tips and advice.

Read our article before you balance transfer debt, and learn how to get the best credit card deal.

Facts and benefits of Debit Cards and how a credit card can rebuild credit.

Review our free ATM debit card tips for secure handling of your card and withdrawals.

Whether you want a secured or unsecured credit card for bad credit or excellent credit, first review the best credit card company ratings before you submit your online application.

You may be surprised to learn who pays joint credit card accounts. Options to cancel a joint account or to remove a spouse name from a joint account, including payoff and negotiating a debt settlement.

Should you; and instructions how, to close credit card accounts and the letter to send to the credit card company. High balance debt may drive you to terminate credit cards, but reducing credit limits could cause bad credit report scores. If you have problems with bills, develop a budget and a money management plan, seek counseling, consolidation or debt settlement.

Was your credit card limit cut? Your options, and why government law pushed your credit card company to cut your max limit.

Bi-annual Federal Reserve System ratings survey of plan terms offered by financial institutions and credit card issuers. The credit terms include type of plan; variable or fixed interest rates as well as other credit card rewards such as purchase discounts, travel points and cashback.

Free tips on choosing the lowest interest rate unsecured credit cards, from gold to platinum rewards.

Whether you have good or bad credit, the Credit Card Holder Bill of Rights Act is to protect you. Review free credit card tips for getting the best deal for secured and unsecured credit cards, and advice on managing accounts from gold to platinum.

Apply for and review these free tips for managing and sharing a joint credit card account. Most gold and platinum unsecured credit cards offer an additional spouse card.

If your issuer notifies you of a credit card interest rate increase, can you reject the higher rate? Learn your options and rights.

Browse and apply for a 0 intro balance transfer credit card, but first read our free tips and advice on what to look for before submitting your application.

If your credit card issuer has notified you that your card's interest rate will increase even though you don't have bad credit, you could negotiate a lower rate, optout completely (which will require you to payoff the balance), payoff balances in full each month so you won't have any interest charges, transfer the balance to a lower rate card, or accept the new interest rate.

Bi-annual Federal Reserve System survey of plan terms offered by financial institutions and credit card issuers. The credit terms include type of plan; variable or fixed interest rates as well as other credit card rewards such as purchase discounts, travel points and cashback.

Free advice about college student credit cards. Tips to get the best card for you, prevent high balances and to get a good credit score.

Credit cards suffer a bad rap, much of which is undeserved. There are both good and bad credit card features. Browse secured and unsecured credit card offers and apply online.

In addition to having a joint spouse credit card, there are occasions when you may want to have extra credit cards for rewards or other perks. Submit your good or bad credit card application online.

Browse for the secured or unsecured credit card that is best for you, with or without rewards. Submit your MasterCard or Visa credit card application online.

Tired of credit card debt? Before you cancel credit card accounts, read this article. Also learn about credit card debt consolidation, counseling and chargeoffs and debt settlement.

Common questions turned into credit card facts. Apply for a good or bad credit card. Choosing between the best credit card offers can be hard. Consider a no interest 0 intro balance balance transfer, a pre-pay ATM or a pre-paid debit secured credit card, or unsecured credit card benefits that offer travel, miles, discount and vacation rewards. Pick between American Express, Chase, Discover, MasterCard and Visa, even if you need a joint consumer or business credit card.

Recently the Federal Reserve proposed new credit card rules that would eliminate several unfair practices in the credit and banking industry. If passed, these new rules will become your credit card rights. Apply for rewards or 0 introductory balance transfer credit card offers. Need help repaying credit card debt? Request credit counseling assistance or unsecured debt consolidation today.

In a previous article, we warned how some credit card companies were reducing maximum charge limits as they faced high risks of default in a trouble economy. Unfortunately, this jeopardizes many cardholders by making them closer towards exceeding their max charge limits. Here are ways to prevent going over-limit.

The Federal Trade Commission (FTC) files a lawsuit against CompuCredit and Jefferson Capital for its marketing of a subprime credit card. Will this end bad credit cards altogether, leaving only platinum rewards cards that only the rich and affluent will qualify for? If so, how will poor credit consumers be able to obtain an unsecured credit card to rebuild credit?

With multitudes of card offers; ranging from instantly approved pre-pay cards to no deposit platinum rewards cards, how do you choose the best credit card? Before you compare perks and benefits, first weed out cards that may not help you.

In support of ATM & Debit Card Safety Awareness month, PULSE; a Discover card product, offers tips on ATM and debit card use for privacy protection and to prevent fraud.

With high risk loans outstanding and the threat of federal legislation on the horizon, credit card companies are closing some customers' credit card accounts in an attempt to save money.

The federal government is proposing new credit card company rules and regulations to ensure cardholder fair treatment, particularly bad credit cards. Unfortunately, this may create higher interest costs for good credit people and no credit card offers for poor credit people.

Credit Card Fair Fee Act takes on Visa and MasterCard credit card companies to help business merchants negotiate transaction processing costs.

As the mortgage industry reels and tries to recover, attention is also being cast towards credit cards, the issuers and the cardholders. Will sub-prime, bad credit cards follow the same path of destruction as the sub-prime mortgages?

While bad credit people can get credit card approval but at higher rates, now even good credit people are seeing interest rate increases.

Certainly credit report scores decide if you get approved for a credit card and the interest rate you will pay, but what about future rate changes?

Some credit cards offer the ability to earn free gift cards, or you can buy gift cards directly from retailers.

More than one UK credit card company is increasing rates and fees.

Tips for Choosing the Best Gift Credit Cards for Holiday Shopping.

Personal gift credit cards can offer more wow than simply giving cash.

J.D. Power and Associates' ratings of the baddest and best credit cards.

Poor Credit Score? Credit card applications to choose.

Rewards cards offer automatic deposit savings accounts.

There are new credit card offers; green is now added to silver, gold, platinum and titanium.

What impact does the recent federal interest rate cut have on credit cards?

Five major credit card issuers come in second to credit union card offers.

Sub-Prime (Bad Credit) Credit Card Offers seem to be vanishing from the internet.

Bank settles bad credit card marketing allegation of a fee nearly the credit line amount.

Because of their convenience and power, debit card holders are potential scam victims.

Browse and compare credit cards according to rewards, APR interest rates and consumer ratings.

Review Credit Federal's Top Credit Card FAQs, with basic tips for secured and unsecured credit cards.

Proposed legislation would outlaw some credit card billing and interest rate practices that critics say confuse consumers and can push them deeper into debt.

Credit card use for maximum score results, or as a one time use credit card purchase.

Credit Federal announces new, free credit card services for consumers.

A Credit Card survey shows that credit cards are being used more and more, even for small purchases.

Diners Club wins the best Affinity/Charge Credit Card Program 'Freddie' Award.

According to Visa, the bulk of credit card transactions are for purchases of $25.00 or less.

A survey of small businesses conducted by MasterCard reveals 84% of small business owners don't believe they will be victims of natural disasters, whereas 77% believe they are not fully prepared.

Discover Card is now accepted at 58% more ATMs nationwide.

Discover Card was ranked Best-In-Class for online fraud protection service and information.

Keynote Systems ranks Discover Card number one for online customer experience in the credit card industry.

American Express Membership Rewards Program offers unique rewards to members, retail and travel partners.

Visa created a mini card to make paying faster and more convenient.

New MasterCard Programs. MasterCard announces two new promotional programs: "MasterCard Monthly Bonus Sweepstakes", and "Small Business Zero Liability"

When shopping for a secured credit card, there are many important terms to review before applying.

Looking for credit card approval? Read this article about getting approved and using your new credit card.

It's difficult, and boring, to read credit card fine print, but it is definitely a necessary evil that should not be taken lightly by consumers.

Credit Cards With Rewards Are Worth a Look

A Cash Back Credit Card is like having a bank savings account, and you can accrue some fabulous interest by comparison. Apply for a Cash Back Credit Card

Offset gasoline costs with a gas credit card. Earn rewards or cash back on gas purchases from Shell, Exxon, BP and Hess.

Apply online and learn the benefits of a student credit card. Click below to read our article and to submit an online application

What is a secured credit card, and what benefits does a secured card offer?

A debit card offers many conveniences. Read and Apply online for a debit credit card. Click Below!

Enjoy credit card benefits and perks, ranging from free airline miles, rebates, to cash back credit card incentives and rewards.

How to balance transfer credit card debt... High credit limit unsecured credit cards require excellent credit because of the issuer's financial risks and acceptance of existing debt (balance transfer) from another credit card. READ THESE IMPORTANT TIPS IN THIS ARTICLE-

What is an ATM card? Author: Credit Federal. An ATM card used in an automated teller machine (ATM) to access a credit or a debit account to complete banking inquiries and fund transfers between accounts. Read more about ATM Card benefits, and apply online...

Different Types of Debit, ATM and Credit Cards Although you might think that credit cards, charge cards, ATM cards and debit cards are basically the same thing -- a way to make purchases or get cash -- they are quite different. In order to use these cards wisely, you should know what each one is and how it differs from the others.

Major credit card issuers, such as American Express, Chase, Discover, MasterCard and Visa, offer 0 intro credit cards for an introductory period. These types of cards are generally unsecured platinum credit cards with high credit limits, and only people with good to excellent credit can get approved. High credit limit platinum credit cards require above average credit because of the issuer's financial risks.  The credit card issuer evaluates their risk by reviewing your credit report to see if you have been paying obligations, including other credit card payments, on time.

Article: Platinum Guaranteed Credit Card - Unsecured Credit?The Fed has raised interest rates, prompting consumers to flock online to search for a lower interest rate credit card. Unfortunately, as consumer debt increases, many of these consumers do not qualify for a 0 interest balance transfer due to bad credit.Typically, what bad credit consumers are finding online when they search for an instant approval or guaranteed platinum credit card, are "Shopping" cards. Unknowingly, many of these consumers apply thinking they are getting a true-to-life platinum credit card, because they are being marketed as a "Platinum Unsecured Credit Card". In actuality, these cards offer an "Unsecured line of credit".What's the difference?An unsecured line of credit is the ability to make purchases on credit, and to re-pay over time. Sounds just like a typical credit card, right? Wrong. The difference is that the issuer allows purchases only from a select vendor(s), either from an online resource or through an offline catalog.While this type of credit card offers the ability to make purchases on credit like a typical credit card, it can't be used for making purchases at local retail stores, restaurants, nor to book airline or motel reservations. And it certainly doesn't offer any type of balance transfer from existing credit cards, nor cash back or rewards as offered by major platinum credit card issuers.So why are shopping cards being marketed as platinum credit cards? Mainly because they offer a high unsecured line of credit, like those major platinum credit card issuers offer to new members with a fair credit rating. For example, the USA Platinum Plus shopping card offers a $7,500 unsecured line of credit, whereas typical unsecured credit cards (the type that allows purchases anywhere the card is accepted), offer a limited credit line. When compared to the Rewards660 Card; an unsecured credit card for people with troubled credit, it offers only an initial $250 unsecured credit line.The benefits of a platinum shopping credit card?If you have bad credit, such as late payments, bankruptcy, or no credit score, it's not likely you'll get approved for a platinum credit card from major issuers such as Discover, American Express and Chase. But a shopping card accepts most anyone with no credit check. And although it doesn't offer the perks such as frequent flyer miles or cash back, some guaranteed platinum credit card issuers offer other rewards, such as free merchandise when you accept the card. You can't use the card for purchases beyond those allowed, nonetheless you do receive an unsecured line of credit to make purchases from the issuer's vendor(s). This can be helpful, particularly during times when you need credit but can't get it, like during Christmas or to buy birthday gifts. Also, many of these cards will report your timely payments to a major credit bureau to help you improve your credit score so one day you may qualify for a true-to-life platinum credit card.As with any online application, applicants should read the full Terms and Disclosure before applying, so they will know exactly what is being offered, plus any fees that may be charged.Click Here for a *Guaranteed Platinum Credit Card*See website for terms and conditions Benefit of a *guaranteed platinum credit card:Although it cannot be used like a typical credit card, it does offer an unsecured line of credit. This makes it convenient to buy merchandise in situations where you do not have adequate cash on hand or any other type of credit.Browse Credit Federal to find the card that's right for you. You can find a bad credit credit card with *guaranteed approval, a gold credit card, and even a platinum credit card from major card issuers. Apply for a Credit Card