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Understanding Credit Cards

annual fee yearly credit card fee
annual percentage rate (APR) cost of credit as a yearly interest rate
balance transfers transferring debt from one credit card account to another
credit card plastic card; allows accessibility to a credit line that has already been established
credit limit max. $ amount borrowable
introductory rate APR charged during credit card's intro. period after a card account is opened
late payment fee fee when cardholder doesn't make the min. monthly payment
over-the-limit fee fee when card account balance surpasses set limit
penalty APR interest rate charged on new transactions if the penalty terms in the credit card contract are triggered
pre-approved one has passed an initial credit history check
return payment fee fee if cardholder makes a payment but doesn't have enough $ in the account to cover the payment
Schumer box terms and fees of a credit card in a chart on all credit applications and solicitations
variable-rate APR APR may change depending on other factors
Created by: Tate.cord70