Home > LawServer Pro > Business Law > Financial Services > Credit Cards 
 
Credit card 3
       
Credit Cards
How to Compare Credit Card Terms
March 7, 2009
To compare credit card terms, think about how you will use your credit card. Do you expect to
  • Pay your montly bill in full?
  • Carry over a balance from month to month?
  • Get cash advances?

Once you have decided how you will use your credit card, you can use this checklist to compare cards. Information about most of the features is given in the disclosure box that must appear in all printed credit card solicitations and applications.

Read more...
 
President Obama signs Credit Card Accountability, Responsibility, and Disclosure Act
June 4, 2009
President Obama signed the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009 on May 22nd. 

"With this new law, consumers will have the strong and reliable protections they deserve. We will continue to press for reform that is built on transparency, accountability, and mutual responsibility - values fundamental to the new foundation we seek to build for our economy," President Obama said.

Read more...
 
Picking the Right Credit Card
March 7, 2009
Shopping around for a credit card can save you money on interest and fees. You'll want to find one with features that match your needs. This information can help you understand the features of credit cards and compare credit card features and costs. The first step in choosing a credit card is thinking about how you will use it.
Read more...
 
Advance-Fee Credit Card Offers

Source: FTC 

You may be tempted by ads and websites that guarantee loans or credit cards, regardless of your credit history. The catch comes when you apply for the loan or credit card and find out you have to pay a fee in advance. That could be a tip-off to a rip-off. If you’re asked to pay a fee for the promise of a loan or credit card, you can count on the fact that you’re dealing with a scam artist. More than likely, you’ll get an application, or a stored value or debit card, instead of the loan or credit card.

Read more...
 
Best Credit Cards by APR
March 16, 2009

This chart ranks the top national credit cards based on APR. It is based on the latest data available from the Federal Reserve Board. For an explanation of the terms used in this chart, you can use the Credit Card Glossary.

Bank and Card NameAPR RateGrace Period
Ann. Fee
Features
First Command Bank: Visa Platinum4.25V300
  • Car rental insurance
  • Travel insurance
  • Extended warranties
Ameriprise Bank: MasterCard4.5
V
30$150
  • Rebates on purchases
Sunflower Bank: Visa4.9
V
25
0
 
  • Car rental insurance
  • Travel insurance
  • Purchase protection
CNB Bank: Visa Gold5.25 V300
  • Car rental insurance
  • Travel insurance
  • Extended warranties
  • Purchase protection
  • Travel discounts
  • Card registration
Pulaski Bank And Trust Company: Visa Classic / Standard6.5F25$35
  • Intro APRs
Franklin Templeton Bank & Trust: Platinum MasterCard6.74 V
25
0
 
  • Car rental insurance
  • Travel insurance
  • Extended warranties
  • Purchase protection
Columbus Bank And Trust Company: Platinum7.15
V250
 
First Federal Savings And Loan: Visa7.15
V
25
0
 
Citibank (Banamex): MasterCard Platinum7.24
V
25
0
 
  • Rebates on purchases
  • Travel insurance
Simmons First National Bank: Visa7.25F
250
  •  Travel insurance
Town North Bank Nevada: MasterCard7.99V200
  • Intro APRs
  • Travel insurance
  • Card registration
Nationwide Bank: NWC Platinum7.99
V
25
0 
  • Intro APRs
  • Rebates on purchases
  • Car rental insurance
  • Extended warranties
Morton Community Bank
8.0V
25
0
  •  Rebates on purchases
 
Unsolicited Credit Cards Overview
April 5, 2008
Credit card issuers are prohibited by the Truth in Lending Act from sending unsolicited credit cards to consumers. There are exceptions, however, and these exceptions have been at the heart of some recent controversies.
Read more...
 
Credit Card Billing Disputes
March 29, 2008
Credit card customers have special protections under federal law in the event of billing disputes. For these protections to apply, however, consumers must follow dispute procedures and meet deadlines set by the Fair Credit Billing Act and Regulation Z.
Read more...
 
Credit Cards - State Laws
MichiganMichigan Laws > Chapter 493 > Act 379 of 1984 - Credit Card Arrangements
New YorkNew York Laws > General Business > Article 29-AAA - Credit Card Registration Services
New York Laws > General Business > Article 29-B - Prohibited Credit Card Practices Involving Providers Of Travel Services
New York Laws > General Business > Article 34-A - Consumer Credit Balances
New York Laws > General Business > Article 34-B - Annual Credit Interest Statements

 
Same Sex Marriage in the States
Click map for specifics

 
 Marriage restricted to man and woman
 
 Issues marriage licenses to same-sex couples
 
 No prohibition of same-sex marriages
 
monotone-frail