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1. What is process to apply for a credit card?
   You can view credit cards by selecting a category, or search for a card in the search box. Once you have found the credit card you would like to be approved for click apply now. This will take you to a secure SSL encrypted application. To complete the application you will be asked for basic information such as your social security number, drivers license number, address and date of birth. Please review the terms and conditions on the application page, before applying.
2. Has credit companies requirement to give a grace period on purchases before beginning finance charges?
   Creditors must tell you when finance charges begin on your account, so you know how much time you have to pay your bill before a finance charge are added. Creditors may give you a 25-day grace period, for example, to pay your purchase balance in full before you must pay a finance charge.
3. What about for a credit limit to credit card.
   Credit card limit means, the credit limit is the maximum amount of money you can spend using the credit card. The amount you have actually spent (with finance charges and fees added in) is called your balance or principal. The amount of your credit limit still available for you to spend is called available credit.
4. What is meaning of finance charge?
   Credit cards means its allow to a credit card holder carry a balance will charge you interest each month on that amount (means we have to charges monthly or time agreement basis). This is the finance charge, which is added to the balance. Credit card offers are required by law to tell you what the interest rate will be, given as an Annual Percentage Rate (APR). This rate is then divided by 12 to get the Monthly Periodic Rate. Each month, your balance is multiplied by this number and - Presto - you have your finance charge for that month.
5. What happens if you will pay late?
   Late Fee: - All credit cards charge a late fee when any payment is late (means if you will not payment monthly time to time or according your time agreement).
   Bad Credit: - All credit cards companies and banks has to report you payment track record to various credit reporting agencies, like :- Equifax and TRW. Even a few late payments can cause problems when you go to apply for a house or auto loan or other loans . Punitive Interest Rates: Increasingly, credit card issuers will drastically raise your interest rate after a set number of late payments. Some 'card sharks' lure in applicants with fantastically low rates, knowing that many, if not most, people will make late payments sooner or later. Then the company can charge the sky-high interest rate for the remaining life of the account.
6. Applying for a credit card online safe or not?
   If we think deeply in every thing I think nothing is safe in whole world, if you will be conscious about online's positive and negative factors then I must say, Yes, applying for a credit card online is safer and faster than applying through the mail. All credit card applications are equipped with SSL (Secured Socket Layers) technology. This encrypts all information from everyone except you and the credit card issuer. There is a better chance of someone finding out your information in the mail, than if you apply online. Plus the credit card issuer will be able to review and respond to your application faster than applying for one in the mail. You will know it is secure when you see the lock on the bottom right corner or on the right side of your URL box.
7. I have lost my credit card. should am I responsible for?
   If your credit card is stolen, your greatest cost may be inconvenience, as your liability on lost or stolen cards is limited under Truth in Lending. You don't have to pay for any unauthorized charges made after you notify the card company of loss or theft of your card. So keep a list of your credit card numbers and notify card issuers immediately if your card is lost or stolen. The most you will have to pay for unauthorized charges is $50 on each card, even if someone runs up several hundred dollars worth of charges before you report a card missing.