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A credit card is a payment system.It is a small plastic card issued to users. In the case of credit cards, the issuer lends money to the customers,and the money to be paid later to the merchant. It is different from a charge card or a debit card, which requires the balance to be paid in full each month.

Credit cards are issued after an account has been approved.It is done by the credit provider,bank.

Credit card providers often offer incentives such as frequent gift certificates,flyer points, or cash back to attract customers.These all because of intense competition in the credit card industry,

There low interest credit cards or even 0% interest credit cards are available. The only drawback to users is that the fixed period (about 6 and 12 months) of low interest credit cards, after which a higher rate is charged. Most such services charge a monthly or annual fee.

Grace period

A credit card's grace period is the time the user has to pay the balance before interest is charged to the balance. Grace periods vary, but range from 20 to 30 days depending on the type of credit card and the issuing bank.

Usually, if a customer is late to pay the balance, finance charges will be calculated and the grace period does not apply. Finance charges depend on the grace period and balance.But most od the credit cards have no grace period and interest is applied on both the previous balance and new transactions. There are few credit cards that will only apply finance charge on the previous or old balance, excluding new transactions.

If you have ever tried to get approval for a credit card and failed, there are a number of situations which would have allowed for this situation to have occurred.To know it see here.


Posted by Talkingbees-Learn Bengali-Hindi-Online-USA-London in , , , , , , , , , , , ,

Most colleges and universities within the United States are concerned, tuition continues to raise each and every academic year. Unless a prospective student possesses enough of his or her own funds to cover the tuition of his or college of choice, or unless the college-bound students parents have enough money to cover their child's tuition, most students set on entering college has to have some form of financial aid. Although the amount of federal student aid does not seem to be meeting the steady increase in tuition rates - and, in some cases, seems to be decreasing in direct proportion to the increase in tuition - there are so many ways for students to receive financial aid, and so many kinds available to receive.

Typing "scholarship" into a search engine will introduce prospective students to numerous web sites with huge databases of scholarships available. Whether they are large or small, a student should try to win as many scholarships as he or she can, as this is money that does not have to be paid back and can thus do a world of good. Grants do not have to be paid back either and many of them, such as Pell Grants, are awarded to students who exhibit a great need for financial aid and assistance. When compiling a financial aid package, students are encouraged to go for as many scholarships and grants as possible, because "free" money is the best money.

There are also many financial aid packages provided in the form of federal student loans. In order to qualify for these, students must fill out the Free Application for Federal Student Aid, or FAFSA. FAFSA is essential, and most colleges require students to fill out and file the form, in order to determine what kind of financial aid they can receive. Some of the most common types of federal student loans are Stafford Loans and Perkins Loans, but there are also a variety of other loans available.

There are also numerous private scholarships available. In general, these are offered through third-party companies and have substantially higher interest rates than federal student loans. However, if a student's financial aid package is not enough to cover his or her tuition, then private student loans can be ideal to bridge the gap between the financial aid package and the total cost for college.

Parents may borrow money for their children, as well. Generally referred to as parent PLUS loans, this form of financial aid is usually determined by the parents' credit score(s). Parents can pay these back themselves, or put the loan on deferment and allow the child to pay it back after he or she graduates from college.Parents can take personal loans also


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