Credit check.It's it's 1. Contraction of it is. 2. Contraction of it has. See Usage Note at its. it's it is or it has it's be ~have still possible to get good deals and favorable fa·vor·a·ble adj. 1. Advantageous; helpful: favorable winds. 2. Encouraging; propitious: a favorable diagnosis. 3. terms Credit card holders today are more likely to live fast, max-out young and leave a horrendous-looking balance behind than ever before. This leaves a far bigger dent in their creditworthiness Creditworthiness The condition in which the risk of default on a debt obligation by that entity is deemed low. Creditworthiness Eligibility of an individual or firm to borrow money. than it used to, since credit card companies are now rejecting applicants in record numbers. The classic credit card maxim still holds true: those who carry a monthly balance should find the lowest annual percentage rate (APB APB See Accounting Principles Board (APB). ), while those who don't don't 1. Contraction of do not. 2. Nonstandard Contraction of does not. n. A statement of what should not be done: a list of the dos and don'ts. should look for cards with the lowest (or no) annual fee. But card issuers are getting more sophisticated at the art of squeezing those couple of extra dollars out of you each month, according to according to prep. 1. As stated or indicated by; on the authority of: according to historians. 2. In keeping with: according to instructions. 3. industry sources who follow credit cards. According to a recent survey by Bankrate.com, a financial advice Website, Wachovia For Moravian settlements in North Carolina, see . Wachovia Corporation (NYSE: WB), based in Charlotte, North Carolina, is the third largest banking chain in the United States based on total deposits. Bank Card Services The software support for PC Cards. PC Card applications talk to Card Services. See PC Card. of New Castle, Delaware New Castle is a city in New Castle County, Delaware, six miles (10 km) south of Wilmington, situated on the Delaware River, at the head of Delaware Bay. In 1900, 3,380 people lived here; in 1910, 3,351. According to 2006 Census Bureau estimates, the population of the city is 4,836. , offers the best overall deal, with an APB of 7.75%, an annual fee of $88 and a grace period of 20 days before it begins charging interest. Shoppers who prefer to wipe (1) To completely erase data from memory or the hard disk. See file wipe. (2) A digital video effect that places one image over another. Although there are a myriad varieties, the classic wipe is a scene transition where the next scene slides horizontally or their debt slate clean every month would be better off with the Richmond Richmond, cities, United States Richmond. 1 City (1990 pop. 87,425), Contra Costa co., W Calif., on San Pablo Bay, an inlet of San Francisco Bay; inc. 1905. , Virginia-based Capital One Bank card, which levies a 9.9% APB on your balance and has no annual fee. Capital One's 25 interest-free days can come in handy Verb 1. come in handy - be useful for a certain purpose be - have the quality of being; (copula, used with an adjective or a predicate noun); "John is rich"; "This is not a good answer" when you're stretched thin, too. Wachovia also offers a similar card tailored to this market, with the same APB and no annual fee, although its interest-free period lasts for only 20 days. If you've already snipped up your old card and are thinking about sending away for one with a better deal, industry experts like Consumer Action, an advocacy group in San Francisco San Francisco (săn frănsĭs`kō), city (1990 pop. 723,959), coextensive with San Francisco co., W Calif., on the tip of a peninsula between the Pacific Ocean and San Francisco Bay, which are connected by the strait known as the Golden , advise consumers to be wary of some common stumbling blocks stum·bling block n. An obstacle or impediment. stumbling block Noun any obstacle that prevents something from taking place or progressing Noun 1. . If you are tempted to sign up for a card with a suspiciously low introductory rate, pay your bills on time. If you're late, some issuers will charge you their standard APB and may also add on a higher-than-usual late fee. Retail store cards are also a great temptation Temptation Terror (See HORROR.) apple as fruit of the tree of knowledge in Eden, has come to epitomize temptation. [O.T.: Genesis 3:1–7; Br. Lit. for shoppers because they often come with substantial introductory discounts. "The one instance where I'd advise someone to get a retailer's card is when someone has poor or no credit. Usually, retailers are a little more lenient le·ni·ent adj. Inclined not to be harsh or strict; merciful, generous, or indulgent: lenient parents; lenient rules. [than other issuers]," says Linda Sherry sherry [from Jérez], naturally dry fortified wine, pale amber to brown in tint. The term sherry originally referred to wines made from grapes grown in the region of Jérez de la Frontera, Andalusia, Spain; today it may refer to any of the , a spokesperson for Consumer Action. She stresses that other cardholders should be wary of the high APRs that department stores This is a list of department stores. In the case of department store groups the location of the flagship store is given. This list does not include large specialist stores, which sometimes resemble department stores. usually charge on their cards, and says that the discounts are often eaten up by the high APRs and late fees tacked on to card bills by retailers. Best Deals for Consumers Who Carry Balances
Institution/Location Phone Number
Wachovia Bank Card Services/New Castle, DE (800) 241-7990
Huntington National Bank/Columbus, OH (800) 480-2265
USAA Savings Bank/Las Vegas, NV (800) 922-9092
Pulaski Bank & Trust Co./Little Rock, AR (800) 980-2265
Metropolitan National Bank/Little Rock, AR (800) 883-2511
Simmons First National Bank/Pine Bluff, AR (800) 636-5151
Capitol One Bank/Richmond, VA (800) 822-3397
Bank One/Columbus, OH (888) 221-9067
First USA Bank/Wilmington, DE (800) 294-2993
AFBA Industrial Bank/Colorado Springs, CO (800) 776-2265
Amalgamated Bank/Chicago, IL (800) 723-0303
Central Carolina Bank/Columbus, GA (800) 672-2539
Metropolitan Bank & Trust/Mayfield Heights, OH (800) 837-6058
People's Bank/Bridgeport, CT (800) 426-1114
SunTrust Bank/Orlando, FL (800) 786-8787
Partners First/Tulsa, OK (888) 701-7362
Institution/Location Rate Fee
Wachovia Bank Card Services/New Castle, DE 7.75% $88
Huntington National Bank/Columbus, OH 8.75% $39
USAA Savings Bank/Las Vegas, NV 8.75% $45
Pulaski Bank & Trust Co./Little Rock, AR 9.45% $35
Metropolitan National Bank/Little Rock, AR 9.48% $25
Simmons First National Bank/Pine Bluff, AR 9.50% $35
Capitol One Bank/Richmond, VA 9.90% $0
Bank One/Columbus, OH 9.99% $0
First USA Bank/Wilmington, DE 9.99% $0
AFBA Industrial Bank/Colorado Springs, CO 10.25% $35
Amalgamated Bank/Chicago, IL 10.50%V $37
Central Carolina Bank/Columbus, GA 11.25%V $20
Metropolitan Bank & Trust/Mayfield Heights, OH 13.90% $0
People's Bank/Bridgeport, CT 13.90% $25
SunTrust Bank/Orlando, FL 14.74%V $0
Partners First/Tulsa, OK 14.99%V $18
Interest-Free
Institution/Location Days
Wachovia Bank Card Services/New Castle, DE 20/B
Huntington National Bank/Columbus, OH 25/B
USAA Savings Bank/Las Vegas, NV 25/B
Pulaski Bank & Trust Co./Little Rock, AR 25/B
Metropolitan National Bank/Little Rock, AR 25/T
Simmons First National Bank/Pine Bluff, AR 25/B
Capitol One Bank/Richmond, VA 25/B
Bank One/Columbus, OH 20/B
First USA Bank/Wilmington, DE 20/B
AFBA Industrial Bank/Colorado Springs, CO 25/B
Amalgamated Bank/Chicago, IL 25/B
Central Carolina Bank/Columbus, GA 25/B
Metropolitan Bank & Trust/Mayfield Heights, OH 25/T
People's Bank/Bridgeport, CT 25/B
SunTrust Bank/Orlando, FL 25/B
Partners First/Tulsa, OK 25/B
Key: V=Variable rate; B=Billing; P=Posting; T=Transaction; B, P, T, describe the length of time each issuer waits before charging interest, i.e. 25 days from billing. All information courtesy of bankrate.com. Best Deals for Consumers Who Pay Off Balances Monthly
Institutions/Location Phone Number
Capital One Bank/Richmond, VA (800) 822-3397
Wachovia Bank Card Services/New Castle, DE (800) 241-7990
Bank One/Columbus, OH (888) 221-9067
First USA Bank/Wilmington, DE (800) 294-2993
AFBA Industrial Bank/Colorado Springs, CO (800) 776-2265
USAA Savings Bank/Las Vegas, NV (800) 922-9092
Central Carolina Bank/Columbus, GA (800) 672-2539
Institutions/Location Rate Fee
Capital One Bank/Richmond, VA 9.90% $0
Wachovia Bank Card Services/New Castle, DE 9.90%V $0
Bank One/Columbus, OH 9.99% $0
First USA Bank/Wilmington, DE 9.99% $0
AFBA Industrial Bank/Colorado Springs, CO 11.40%V $0
USAA Savings Bank/Las Vegas, NV 11.65%V $0
Central Carolina Bank/Columbus, GA 13.65%V $0
Interest-Free
Institutions/Location Days
Capital One Bank/Richmond, VA 25/B
Wachovia Bank Card Services/New Castle, DE 20/B
Bank One/Columbus, OH 20/B
First USA Bank/Wilmington, DE 20/B
AFBA Industrial Bank/Colorado Springs, CO 25/B
USAA Savings Bank/Las Vegas, NV 25/B
Central Carolina Bank/Columbus, GA 25/B
Key: V=Variable rate; B=Billing; P=Posting; T=Transaction; B, P, T, describe the length of time each issuer waits before charging interest, i.e. 25 days from billing. All information courtesy of bankrate.com.3 |
|
||||||||||||||||||||||
Printer friendly
Cite/link
Email
Feedback
Reader Opinion