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>7 FAQs When You Apply for a Credit Card
Posted by nick_niesen on October 29th Harold Landry Hat , 2010


There are so many credit cards out there to choose from that deciding which one to get can feel really daunting. What makes one offer better than the hundreds of others you?ve seen? Here are top 7 FAQs to finding the right credit card:


1. Are You a Student?


If you are, then you?ll be better off with a student card. Your application is likely to get accepted without problems. It would be best to contact the bank where you have your student account before you do anything else.


2. Are You Transferring a balance from another credit card?


If you are, then you need to be looking for a card with a low APR on balance transfers. APR is the acronym for Annual Percentage Rate. APR is the cost of credit Kevin Byard Hat , expressed as a yearly interest rate. However, do be careful of credit card offers that promise 0% introductory rates for say 6 to 9 months. There may be a catch somewhere!


3. Do You intend to Make New and Large Purchases?


If so, then pay more attention to the APR for purchases Derrick Henry Hat , which is usually entirely different to the one for balance transfers. You should also look at what kind of grace period different cards offer, so you don?t end up paying interest on your purchases straight away.


Also called a "grace period," a free period lets you avoid finance charges for a specified time before you are required to start paying your balance. Without a free period Jonnu Smith Hat , the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. If your card includes a free period, the issuer mails your bill at least 14 days before the due date so you'll have enough time to pay.


4. Do You Pay Off Your Balance In Full Every Month?


If you have a lot of money or you only keep a credit card for emergencies, then you might just pay it all off each time you get the bill. If you do Corey Davis Hat , then you?re in a position where you obviously don?t need to worry about the interest rate much at all, since you won?t be paying any interest (make sure there?s a grace period, though).


5. Do You Need to consider Other fees?


Many issuers charge annual membership or participation fees. Some issuers charge a fee if you use the card to get a cash advance Rashaan Evans Hat , make a late payment, or exceed your credit limit. Some charge a monthly fee whether or not you use the card.


6. Need Good Customer Service Support by the Issuing Bank?


This can be an important factor especially in situations of lost card or a charge that you wish to dispute. You want customer service support that is friendly and helpful. Choose a reputable bank that has excellent call center help.


7. Which Reward Program is suitable?
You may wish to consider the card that offers you the best reward programs or frequent flyer points for your needs.


In conclusion, there will be plenty of offers of credit card deals and "pre-approved" credit card application forms in your mail. However Delanie Walker Hat , do take the time to shop around for the right credit card for yourself.

Clean energy is possible with a magnetic generator thanks to the inner workings of magnets. For home owners who are considering going the part of a magnetic power generator, then knowing the history of magnets, what magnetic fields are and how many different kinds of magnets there are will only make your jub much easier. You might not know it but magnets and what they are made from aren't always the same. Magnets have been around since the Greeks discovered that lodestone attracted pieces of iron. Children and scientists have both been and continue to be intrigued by the nature of magnets and magnetic fields.

Did you know that the power of magnets can vary and they can be made from very different materials? Look in most kitchens around the world and you'll see on fridges the most typical kind of magnet call permanent magnets. This is by far the most common magnet found today. These magnets create a magnetic field all the time. There is no on and off switch and they are always making a magnetic field. This ability is why fridge magnets don't suddenly fall off your fridge door. Soft or temporary magnets are another magnet variety. It might already be clear that these magnets aren't always creating a magnetic field. The life of the magnetic field they emit doesn't last forever. So when are they considered magnets? When they are in the presence of a magnetic field and for a little time after Marcus Mariota Hat , they continue to produce their own magnetic field. It is during these times that they are considered magnets. Electromagnets make up the final group of magnets. Magnetic fields are found in these magnets when electricity is passing through their wires.

Greatly different materials can be used in the construction of magnets. Ceramic magnets are the kind stuck to your fridge. Science classrooms around the world use these on a daily basis. They consist of iron oxide in a ceramic composite. These magnets aren't very powerful or strong. Alnico magnets are made of aluminum, nickel and cobalt}. While this kind of magnet offers a much strong magnetic field than ceramic magnets, they are still not the strongest. The final group of magnets made from rare-earth metal fall into two groups; neodymium and samarium cobalt. These two groups of magnets offer the strongest magnetic fields known to this day.

Why and how do magnets work? Magnets do what they do thanks to all of the magnetic domains within ferromagnetic materials Amani Hooker Hat , like iron, cobalt and nickel, pointing in the same direction. A magnetic domain is basically a small magnet in itself. Typically Nate Davis Hat , the magnetic domains in iron and other magnetic materials aren't aligned and they cancel each other out. The higher the number of these domains that point in the same direction, the stronger the magnetic field of the magnet is. This is why magnets function as they do.

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