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Perfect Card

In these tumultuous times of credit cards it is perhaps better to look to the past for the answers for tomorrow. In 1985, more than 90% of U.S. credit cardholders paid a 19.8% interest rate and a $20 annual fee. more


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Card Reform Express

The credit card industry is sweating bullets after the U.S. House overwhelmingly approved legislation that would push up the date of credit card reforms scheduled for 2010. The American Bankers Association says credit card issuers cannot turn on a ... more

Current Pricing

Oct 09 Apr 09 Oct 08
Super-Prime: 9.65% 8.99% 9.75%
Prime: 14.23% 13.65% 13.99%
Sub-Prime: 22.43% 19.65% 21.22%
Promotional: 4.02% 1.85% 2.05%
Punitive: 29.88% 29.02% 29.97%
Note: Average Rates based on FICO Credit Scores.
Super-Prime = 760-850; Prime = 660-759; Sub-Prime = 500-659.
Source: CardTrak.com

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Consumer Questions Answered…

How do you factor in the balance transfer fee with a new interest rate in order to calculate your total savings over your existing account?
Most balance transfer offers have rates that expire after one year. In this scenario you simply multiply the new APR by the balance to be transferred and add the balance transfer fee to get your approximate ... more

Card Incentives

Save $1,416 more than average Cadillac buyers Details
5% Cashback Bonus at Clinique Details
Hilton Family Hotels, American Express, and Shutterfly Announce New Rewards Offering to Make Travel Easier and More Memorable In ‘09 Details
5% Cashback Bonus at Apple Details

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