CREDIT CARD TERMS THAT YOU NEED TO BE AWARE OF

CREDIT CARD TERMS THAT YOU NEED TO BE AWARE OF

Credit Card Terms - By law credit card providers are as to disclose their terms and conditions to their clients before the clients accepts or signs any agreement with the lender. If you have ever submitted an application or done a balance transfer over the phone, then you know how “funny” these terms and conditions sound like to the ordinary person – its read so fast and quickly, last for about a minute or two in length and you accept without any knowledge of what you have just accepted or committed yourself to.

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When you receive your credit card, it usually comes with eight (8) to ten (10) pages fully written Terms and Conditions which apply to the card when you use it.

Even for those who are interested in being thorough and doing some due diligence by reading through this, they maybe faced by terminologies that are not from our common day usage of the English language.

This articles explains these credit card terms in Simple and Easy to understand language.

The moment you call a credit card salesman he will talk to you in so much terminology, that most of what he says might seem like Greek and Latin to you. Well to make the’ credit’ language simpler it is important to understand what some of the commonly used credit card terms mean.

Credit Card Terms -

What is APR?

The word that is most often repeated in any piece of paper even remotely related to credit cards is APR or annual percentage rate (APR).

APR is used to determine the money that you will need to shell out as interest on a yearly basis for your credit card.

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The simplest form of APR would be just a simple interest computation but credit card companies most often compute their APR in the compounded form.

The APR that you will need to pay will vary in direct proportion to your credit score.

Credit Card Terms -

But, what exactly is credit score and how is it computed?

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Credit Score – Credit card providers need to know the risk involved in giving you a credit card.

A credit score is their way to find out how safe of a borrower you are.

Credit score is defined as the measurement of the credit risk that a cardholder poses and is determined from each individual’s credit report using an accepted formula.



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Your credit score will go haywire of you do not pay your debt installments on time, if you misuse your credit card or if you do not have adequate and favorable credit reference.

Your credit limit will depend on your credit score which is validated by three credit rating agencies if you are an American resident.

Credit Card Terms -

So how do you find out your credit limit?

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Credit limit – Credit limit is the maximum money that you can borrow from your credit card without a penalty. Most credit card companies will raise your interest or charge you a fee under various names if you exceed your credit limit.

Credit limit is the maximum money that you can borrow from your credit card without a penalty.

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Another term that you would hear in this conversation is credit utilization which is the percentage of your credit limit that you are presently using.

If you have a high credit limit coupled by a low credit utilization then you are in for trouble because your credit score may be adversely affected.

Credit Card Terms -

But then how do I find out my available credit?

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Available Credit – Your available credit is the amount that your credit card company gives you for purchasing goods and services.

To get your available credit figure you should subtract your balance from your credit limit which is only if you do not have any pending transactions on your card.

Your available credit is the amount that your credit card company gives you for purchasing goods and services.

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If you have considerable amount as available credit then it means that you pay your credit card dues on time and do not have too much balance and this fact will do good to your credit score. However if you have high balance then you have the option of going for balance transfer.

Credit Card Terms -

What are balance transfers and is it feasible?

Balance Transfers – Today every credit card provider competes with the others trying to lure customers with lower rates and better perks.

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Credit cards lenders try to entice you to shift your loyalty from your existing card to another one with lower rates or more attractive benefits and this is what is called as balance transfer wherein you transfer the remaining balance from your old credit card to a newer card from either the same provider or a different one.

Balance Transfer wherein you transfer the remaining balance from your old credit card to a newer card from either the same provider or a different one.

Balance transfers are feasible but only if they give you considerable saving. In fact most of them do, since most of these transfers happen at very low or zero rates.

But beware because most of these rates last only during the introductory period which can be anytime forming 6 to 18 months. This amounts to a sort of credit card debt consolidation services.

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Talking about debt, you come across various terms pertaining to debt like credit card charge-offs, debt consolidation, non dis-chargeable debt, time barred debt and so on in credit card terms discussions.

The only thing that most people understand from anything even remotely connected with the word debt is that it is something to stay away from.

But sometimes it does help to understand these so called dangerous terms. So let us start with debt consolidation.

Credit Card Terms -

What is debt consolidation and how relevant is it to credit cards?

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Debt Consolidation – Debt consolidation is a common usage in the financial context and it refers to taking one debt to pay off another.

This is highly relevant in today’s credit card business because there are credit cards available in different rates today.

So if you want to finish off a credit card debt the best way to do it is to transfer the debt to another card which comes at a lower interest rate.

This gives you more spare cash in your hand resulting from lower payments while easing your burden at simultaneously.

The thing to remember here is that you are still not debt free and that you still need to repay the amount.

Credit Card Terms -

Non dis-chargeable debt

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Non dis-chargeable debt – Most debts go invalid if you plead bankruptcy but some types of debts cannot be eliminated even on bankruptcy.

These are commonly called non dis-chargeable debts. Credit Cards lenders and Companies have the option to convert their debts into non dis-chargeable debts under grounds that the debt was acquired by fraud and hence should not be discharged.

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Under normal circumstances longer the gap between the time you use your card and the time you file for bankruptcy the less likely it is that the credit card company will ask for non discharge ability.

Credit Card Terms -

All is not over with a ZOMBIE DEBT

ZOMBIE DEBT – Most creditors are unwilling to let bygones be bygones. This is when a debt becomes a zombie debt, a ghost debt. Let me make it simpler.

Zombie debt refers to an old debt which has been long forgotten that a creditor or a debt collector brings up with the hope of getting it repaid immediately.

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Most debt collectors unduly pressurize debtors on zombie debts. But not to worry the debt need be repaid if only it really needs to and you can verify it completely before going ahead with even a single payment. Beware that any agreement or payment you make on a Zombie debt will refresh it by law and make it current.

So initially the debt collectors will be asking for so-called “good faith payments” which only amounts to refreshing and re-activating the debt legally.

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There is also a stipulated time period when a collector can go to a court of law to collect a debt from you. This is called the statutes of limitation and varies from state to state. Look it up for your state.

So whenever a zombie debt surface makes sure you check on this aspect.

You SHOULD also send a letter to the collector asking him to either

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• Verify the debt or
• stop pestering

you about the debt altogether and that too with immediate effect.

So whenever zombie debt surfaces remember that all is not over. Keep a cool head and take legal action to protect yourself.

But till when is a debt valid? Are there rules or laws that stipulate when a debt is valid?

Of course there is.

Credit Card Terms -

Time Barred Debts

Time Barred Debts – This is where time barred debts come into the picture.

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Time barred debts refer to those debts that date beyond the State Statutes of Limitation and thus a creditor can no longer approach a court of law asking you to repay them.

Check with your state to find out your state’s Statutes of Limitation.

The state laws stipulate that debts that are 3 to 10 years old can no longer be sued for repayment.

The first thing to do when a debt collector approaches you asking to repay a debt is to check with the law of you state regarding the statute of limitations, which is the maximum time wherein the collector can go to a court seeking repayment.

Statute Of Limitations (SOL), is the maximum time wherein the collector can go to a court seeking repayment.

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Once you are sure that the debt has crossed the statute of limitations then the creditor can not take you to court for those debts. Note that the credit can resort to other means to collect the debt, just not the court system.

Credit Card Terms -

Default and Universal default

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Default and Universal default – If you do aging cash outflows they are also extremely risky since many may decide to keep off their payments to a later date at the risk of permanent default.

Every time you do not pay your dues on time the credit card company charges you a late fee for every day that you are late coupled with an interest on the balance payment.

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Though a credit card that has defaulted will be closed, the rates on it will continue to accrue and may grow to humunous amounts if you are not too careful. Credit cards default affects your credit scores adversely for as long as seven years within which it might be impossible for you to get loans or other forms of credit.

Credit Card companies now review your credit report regularly and on event of any situation that affects your credit score or risk profile negatively they hike up the rate of interest that they are currently charging you, even if adverse event is not related to the account with them. This is called universal default.

You are subject to universal default if

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you do not pay your credit card dues on time regularly,

carry huge debts, overdraw regularly on credit cards,
regularly use more than half the credit line of an individual credit card or
go over credit limit.

This measure is an effort to ensure that credit card companies do not suffer losses from too many payment defaults.

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Pay your credit card dues in time or else you may have to pay default APR!!!

Credit Card Terms -

Default APR

Default APR – When a credit cardholder does not pay the minimum amount due on his credit card or exceeds his credit limit beyond a stipulated limit then the APR that he currently pays increases by a certain rate and become what is known as default APR.

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The default APR will typically be higher than the regular APR and is currently calculated as 31.99 percent plus base rate which is the rate that credit card companies offer their best customers and cannot exceed the limit stipulated by the Federal Law.

The credit card company can charge you a default APR if you are frequent late payers or if you are estimated to own a high risk profile in terms of card usage.

But how do credit card companies make money from your use of Credit Cards for payments?

Credit Card Terms -

Financial charges and transaction fees

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By taking a finance charge from you. Credit card companies charge an additional fee as a privilege for letting you borrow money from them and this comes under the head of finance charges.

The finance charges comes in various forms and can be takes from you as interest on loan balances, late payment fees and balance transfer fees.

So if you want to be doubly sure that you are getting the best out of your credit card make sure you read the fine print in detail because that is where the finance charges are hidden.

Credit Card Terms -

Collections – a headache for most credit card companies.

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Debt Collections – The credit card company gives you money to make purchases on your demand making it the best tool for money management. But how do they make sure that they get back this money when a client defaults or an account becomes delinquent? This is where collection comes into play.

Credit card companies generally outsource this task to other smaller companies who will collect the payments due to them from the cardholders.

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Credit card companies will go to any extent to get the money from you be it through persistent phone calls or irritating sms and emails.

Debt collection is a 15 billion dollar a year business in the US and is growing at an alarming rate. The credit collection agencies contact the customers and takes adequate steps to ensure that the money that they owe is paid back in due time.

Credit Card Terms -

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Posted by Herschel on Aug 9 2010. Filed under Balance transfer, Terms • Credit Card . You can follow any responses to this entry through the RSS 2.0. Both comments and pings are currently closed.