Credit Card Finder
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Frequently Asked Questions

Can I transfer balances from other credit cards when applying online?
Yes. Most online credit card applications have a balance transfer form online, typically located in the middle or the end of application. Generally, you will be able to enter information for multiple transfers, but since your application is not yet approved, and your credit limit is not yet assigned, you should continue to make at least the minimum payments on your credit cards until the new card is issued and balances are transferred.We recommend that you read the card agreement (fine print) for your new card; there may be certain conditions, which, if not met, may affect your APR. For example, most issuers will cancel your introductory (special offer) APR and start charging you the regular (or higher than the regular) APR if you miss a payment due date. Always read the fine print and if you"ve missed a payment call your credit card issuer and explain the situation. If you are a good customer and missed only one payment, most credit card issuers will restore your Intro APR at your request. Click here to send us your comments.

What will happen if I miss my payment due date?
If you miss the payment due date, you will be charged a late fee (most issuers now charge $29-$35). Your Intro APR on balance transfers and purchases may also be cancelled and some credit card issuers may even suspend your charging privileges.Our advice is to call your credit card issuer as soon as possible to explain the situation and schedule a payment. If you are a good customer, most credit card issuers will restore your charging privileges, if they were suspended, and may even credit back your late fee charges, if such a fee was assessed. Some issuers will assess the fee and when the payment comes in, ask you to call again to remove the late fee.If you miss a payment due date by thirty or more days, the credit card issuer will most likely report this delinquency to the credit bureaus. That report will hurt your credit score and therefore you should always remember to pay your bills on time.We recommend that you check your credit report from the three major credit bureaus yearly for possible mistakes and fraudulent use of your identity information.To request a credit report or learn more about identity theft click here.

How many credit cards should I have?
It depends on your needs. A credit card with a $15,000 line of credit might be better than 3 credit cards with $2,000 line of credit each. But, you should also look at other features/benefits besides the credit limit e.g., worldwide acceptance, rewards programs, customer service availability, fees, etc. The average American has 8 credit cards, but in our opinion 2-3 credit cards should be sufficient for most consumers.

What is the difference between a credit card and a debit card?
Credit cards carry a revolving line of credit and purchases may be paid back over time. Generally, if a credit card balance is paid in full, no monthly interest will be charged by a credit card issuer.Debit cards do not carry a revolving line of credit and all transactions are deducted from a linked bank or brokerage account up to the available account balance at the time of the transaction. Debit card transactions can be compared to an electronic check presentment. Debit cards can be easily confused with credit cards because they have the logos of major credit card associations (i.e., Visa® or Master Card®) displayed on the face of the card.Also, you should be aware that car rental companies do not accept debit cards

What is the highest credit line available?
Most major credit card issuers offer credit lines of up to $100,000. However, most credit cards are issued with a credit limit of up to $20,000; high net worth individuals may qualify for $100,000 or more.

How long will I have to wait for my credit card once I submit my application?
Generally, if you are approved, the card should arrive within 1-3 weeks from the date the application was submitted. However, in some cases (e.g., missing information) the approval process may take a little longer and the card will not be sent to you until the issuer verifies or gathers the missing information.

Why do so many credit card companies offer 0% APR on balance transfers and purchases?
Credit card issuers offer low APRs (annual percentage rates) for balance transfers and/or purchases as an incentive to acquire more new customers. The low APRs (promo rates or teaser rates) expire after a certain period of time and therefore consumers should also look at the regular APR ("Go-To rate") before choosing the card.If you decide to take advantage of special APR offers (0% on purchases for up to 12 months, for instance), be sure to pay off high balances by the end of that time limit. In that way, you can take advantage of the rate and make purchases you might not otherwise have the immediate cash to make.

How do I protect myself from credit card fraud?
There are a few simple steps that a cardholder can take to minimize the risk of card fraud and/or unauthorized use: Sign the back of your card; have a photo placed on the front of your card (most major card issuers offer this service for free); never release your account and/or personal information over the phone to a caller (credit card issuers will not ask for this information if they are calling you); check your statements for unauthorized purchases and incorrect amounts for purchases you made; be careful how you dispose documents with your credit card and personal information - we recommend that you use a paper shredder to dispose all documents with personal information.Finally, if you notice suspicious transactions report them to your credit card issuer immediately. Also, notify your credit card issuer about a missing, opened or tampered statement.

What should I do if my credit card is stolen?
Contact your credit card issuer immediately to prevent financial liability for fraudulent or unauthorized purchases. Your credit card issuer will cancel your stolen card and will send you a replacement card with a new account number.

How do I make cash withdrawals from my credit card?
Ans. Once the credit card is issued, you should establish a Personal Identification Number (PIN), which will allow you to withdraw cash from Automated Teller Machines (ATMs) up to your available cash limit. That cash limit may be different than your total credit limit. Be sure to check what that limit is; It will appear on your statement or your acceptance letter. If your credit card issuer did not send you PIN instructions with the card, call the number on the back of your card and ask the customer service representative to assist you with establishing or changing the PIN.