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Visa Credit Card Applications

Aug 17, 2007
The following article lists some simple, informative tips that will help you have a better experience with Visa Credit Cards.

Visa Credit Cards are some of the leading cards online that come in various types. Visa offers credit cards to students, businesses, small businesses and individuals alike, including cards designed for travel. Starting from $250 and up, the lenders are offer outstanding credit limits, and it's all online for the taking.

The basics to apply for a Visa Online is to have a job, copies of your credit reports, and a bit of information to provide to the Visa credit card lenders. Be sure to read the Terms and Conditions vigilantly before applying and signing for a card.

Many of Visa credit cards offer a 0% Introductory APR on all purchases and balance transfers with no annual fees. Grace periods may be interest-free as long as you pay your bill each month on time. A number of Visa cards offer a point system or a cash back reward program. Cardholders can earn money while they are spending cash. After the cardholder has earned sufficient points, the cardholder can trade the points in for a trip, stereo, or whatever the card lenders are offering. Visa cards may offer a 2% or more cash rewards on purchases with a cash reward limit of $500 each year. Make sure the card that you select offers a 100% guarantee against fraudulent activities and NO LIABILITY.

A few card lenders may not be concerned if your card is stolen and will charge the cardholder anyway. Other card providers may charge set amounts for the charges to your card.

One of the Top Picked credit cards online supposedly is the Low Interest Citi Platinum Select. Few lenders offer 0% APR, with normal APR 10.49%, and no annual fees. The card charges 0% on purchases, and balance transfer up to one year.

The Terms & Conditions clarify that the APR is 0% up to one year, but after the year, the standard APR rates will apply to balance transfers and purchases. The standard APR is 10.49%. Cash advance APR fees are 21.99%; however, each APR may rise systematically and may increase to 30.99% "Variable default rate."

So far, we've uncovered some interesting facts about Visa Credit Cards. You may decide that the following information is even more interesting.

Other charges include increases on "promotional rate" if the cardholder fails to pay other creditors on the due dates. If the card is used in the foreign regions, the cardholder will pay fifty cents on financial charges, and 3% on all purchases. If the cardholder takes out a cash advance then the holder is subject to 3 percent interest per advance, and the minimum balance is $5. Balance transfers are 3%, with $75 being the maximum.

As you can see, reading the Terms & Conditions is wise, since you may be biting off more than you can chew, especially if you have credit issues.

The Chase Platinum Cards offer low intro APR rates on balance transfers and purchase. The card has no annual fees, and enrollment programs to earn points, earning free stays at hotels, free flights, and more. Bill pay and secure accounts online are also available.

Annual fees on purchase is 0% the first year, and 10.99% Variable after, 'or 14.99% Variable for premium pricing." Standard APR is 21.99% Variable rates.

Balance Transfers APR on the Elite and Premiums price rates are 0% "FIXED" for the first year, and 10.99% Variable on the Elite price. Premium 14.99% Variable and Standard is 21.99% after the first three grace periods. If you use the card for cash advances, you will pay 22.99% on Premium and 22.99% on Standard. Overdrafts are 13.99% FIXED and is not optional in certain states.

The Discover Platinum, provided by some lenders offer 0% Introductory APR, with no annual fees and 5% cash back rewards. The program offers more if the cardholder shops at "bookstores, home improvement" centers, gas stations, and some restaurants. The cardholder will receive 1% cash back rewards on each purchase made on the card. Gift card rewards are also offered with the approval of the card.

Regardless of which card you choose make sure that you read all the conditions pertaining to the cards. Some cards have stipulations, while other cards do not. The APR is one of the important charges consumers want to watch out, since the APR can put you in debt.

As your knowledge about Visa credit cards continues to grow, you will begin to see how Visa credit cards fits into the overall scheme of things. Knowing how something relates to the rest of the world is important too.
About the Author
Hans Hasselfors is the founder of http://www.SubmitYourNewArticle.com. You may find varied Visa Credit Card articles in our article directory.
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