There are a lot of "games" that credit card companies play that can really hurt you financially if you are not aware of them. By not knowing their "games", they continue to make money off of you, becoming richer and richer while you become poorer. How do they get you?

♦Interest Rates: the average interest rate right now is 13%. However, interest rates can vary from 0 to 40% annually.
-You can avoid these interest charges by paying off your
balance every month. Most companies have a 20-25 grace
period beyond the billing date.
♦Late Fees: Here's where credit card companies make most of their
revenue. It is nearly 1/3 of their revenue. Don't make them the extra money by making late payments
♦Teaser Offers: Regardless of what the introductory interest rate is, read the fine print. If you are late once, it will go to as high as 20% and even higher the second time your late. (also be careful of transfer fees)
♦Annual Fees: They can range from $0 to $2500. Depending on the card, you can ask for a waive.

You can always call the individual credit card companies.. and see if any "promotional" offers are going on... that has worked for me in the past

More games that the credit card companies will do.

They will take away the available credit on your account, reducing your total credit line to just more than your balance. This increases your debt-to-available credit ratio, which reduces your credit score, then gives them the right to raise your interest rate.

They will set a time of day that your payment is due on a due date, like 3 p.m., so if you mail your payment in time and it is received on the date due, but after 3 p.m., it is considered late and they will charge a late fee.

They will (those this is being restricted by new laws) change the due date on your bill without pointing it out to you. So if you are used to paying your bill on the 10th each month to have it in on the 15th, they'll change the due date to the 11th, so that it will come in late and you will get hit with a late fee.

Pay attention to your bill and call them on any irregularities.

there is always an offer for debtors as you just ask question..... just ask !

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