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If you need a low interest balance transfer credit card, read on. Compare balance transfer intro apr credit card offers and apply online for a credit card today. Typically, these cards are for people with good to excellant credit.
Consumer Alerts
Ads
Promising Debt Relief May Be Offering Bankruptcy
[PDF
version]
Urges consumers to use caution when reading ads pitching debt relief.
Lists what to look out for, and offers tips if you’re having trouble
paying your bills.
Buying, Giving, and Using Gift Cards
[PDF
version]
What to look for when buying and using gift cards, especially the terms and conditions of their use.
Credit
Card Loss Protection Offers
[PDF
version]
Since your liability for unauthorized charges is limited to $50,
there’s no need to buy loss protection insurance.
Credit
Insurance: Is It For You?
[PDF
version]
Helps borrowers decide if credit insurance, which is usually optional,
is right for them. Explains the four main types of credit insurance
and offers shopping tips.
Financial Readiness: As Critical as Fully Charged Batteries
[PDF version]
Tips for financial readiness in case of an emergency.
How
to Be the Class 'Value-Dictorian'
[PDF
version]
Alerts students and recent graduates to important consumer protection
tips.
Just When You Thought It Was Safe...Advance-Fee Loan "Sharks"
[PDF version]
Knee
Deep in Debt
[PDF
version]
If you or someone you know is in financial hot water, consider these
options: realistic budgeting, credit counseling from a reputable
organization, debt consolidation, or bankruptcy. Tips on getting
back in the black.
Payday
Loans = Costly Cash
[PDF
version]
Explains how these loans work, but cautions that they come at a
very high price. Lists alternatives.
The Secrets of Mystery Shopping Revealed
[PDF version]
Prospective mystery shoppers are targeted by illegitimate companies claiming resources for becoming a mystery shopper, selling false certification and charging for services that can otherwise be sought for free.
Shopping for a Home Equity Loan
[PDF version]
Facts for Consumers
A Consumer's Guide to E-Payments
[PDF
version]
Describes online payment technologies and how to make your transactions
as secure as possible.
Avoiding
Credit and Charge Card Fraud
[PDF
version]
Steps to make it more difficult for a crook to capture your card
or card numbers, and how to report losses and fraud.
Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education
[PDF
version]
Advises consumers about the new bankruptcy law requiring credit counseling before filing for bankruptcy and debtor education after filing.
Billed
for Merchandise You Never Received?
[PDF
version]
Explains your rights and steps to take to correct the problem. Includes
a sample dispute letter.
Building
a Better Credit Report
[PDF
version]
Learn how to legally improve your credit report, how to deal with
debt, how to spot credit-related scams, and more.
Check
21: Substitute Checks, Electronic Processing and What It Means to
You
[PDF
version]
By law, your paper checks can be replaced with copies called "substitute
checks" or other electronic items.
Choosing
and Using Credit Cards
[PDF
version]
Explains credit card terms, how your balance is computed, and how
to shop for the best deal. Outlines cardholder protections.
Co-signing
a Loan
[PDF
version]
Lists your obligations if you decide to cosign on a loan for a friend
or relative. At the top of the list: you may have to pay up to the
full amount of the debt if the borrower does not pay.
Credit,
ATM and Debit Cards: What To Do If They’re Lost or Stolen
[PDF
version]
Outlines procedures for reporting loss or theft, and how to minimize
your risk.
Credit
and Divorce
[PDF
version]
Encourages recently divorced consumers, and those contemplating
divorce, to look closely at issues involving credit. Understanding
the different kinds of credit accounts opened during a marriage
may help illuminate the potential benefits – and pitfalls – of each.
Credit
and Debit Card Blocking
[PDF
version]
Blocking often occurs when you use a credit or debit card to check
into a hotel or rent a car. The clerk usually contacts the company
that issued your card to give an estimated total. If the transaction
is approved, your available credit (credit card) or the balance
in your bank account (debit card) is reduced by this amount. Learn
why blocking may be a problem, and how to
avoid it.
Credit
and Your Consumer Rights
[PDF
version]
Explains credit laws that protect your right to obtain, use, and
maintain credit. Offers practical tips to help you solve credit
problems.
The
Credit Practices Rule
[PDF
version]
The Rule prohibits many creditors from including certain provisions
in consumer credit contracts. It also requires creditors to provide
a written notice to consumers before they cosign obligations for
others about their potential liability if the other person fails
to pay.
Credit
Scoring
[PDF
version]
Explains the system creditors use to help determine whether to grant
you credit. Electronic Banking
[PDF version]
Electronic
Check Conversion
[PDF
version]
Explains how electronic check conversion works. Offers tips on keeping
close tabs on your accounts.
Equal
Credit Opportunity
[PDF
version]
The Equal Credit Opportunity Act prohibits the denial of credit
because of your sex, race, marital status, religion, national origin,
age, or because you receive public assistance.
Fair
Credit Billing
[PDF
version]
The Fair Credit Billing Act establishes procedures for resolving
billing errors on your credit card accounts. Includes sample dispute
letter.
Fair
Debt Collection
[PDF
version]
Answers commonly asked questions about your rights under the Fair
Debt Collection Practices Act, which requires that debt collectors
treat you fairly and prohibits certain methods of debt collection.
The Federal Trade Commission Presents Focus on Finances: Preparing For Your Future
[PDF version]
A newspaper supplement to help educate young people about credit, identity theft, and buying a car.
Fiscal
Fitness: Choosing a Credit Counselor
[PDF
version]
Defines debt repayment plans, explains the differences between secured
and unsecured debt, and offers questions to ask credit counseling
agencies if you consider using their services.
For People on Debt Management Plans: A Must-Do List
[PDF version]
Lists must-dos for anyone with a Debt Management Plan, and the steps to take if the credit counselor handling your DMP has gone out of business. Also offers a list of questions to ask when choosing a credit counselor.
Getting
Credit: What You Need to Know About Your Credit
[PDF
version]
Provides tips on shopping for credit cards, using cards carefully,
and keeping your credit record clean. Also explains credit reports
and credit scores, how to protect your identity, improve your credit
record, and what to do if you are a victim of identity theft.
A good source of information for people learning about credit. Includes
a dedicated Web page for more information -- www.ftc.gov/gettingcredit.
Getting
Credit When You’re Over 62
[PDF
version]
Under the federal Equal Credit Opportunity Act, it’s against the
law for a creditor to deny you credit or terminate existing credit
simply because of your age. Explains your rights and offers tips
for applying for and maintaining credit.
Gold
and Platinum Cards
[PDF
version]
If you’re looking for credit, be wary of some 'gold' or 'platinum'
card offers promising to get you credit cards or improve your credit
rating. Lists tip-offs to rip-offs.
Prescreened Offers of Credit and Insurance
[PDF version]
Ready,
Set... Credit
[PDF
version]
For consumers who are about to get their first credit card. Explains
how to qualify for a card, get the best deal, and manage your account.
Stresses the importance of a good credit history. Discusses federal
consumer protections.
Secured
Credit Card Marketing Scams
[PDF
version]
A secured card requires you to open and maintain a savings account
as security for your line of credit; an unsecured card does not.
Describes common advertising and marketing scams for secured credit
cards.
The
Truth About Advance-Fee Loan Scams
[PDF
version]
Tells you how to spot a scam and avoid losing your money. Rule number
one: Legitimate lenders never "guarantee" or say that you are likely
to get a loan or a credit card before you apply, especially if you
have bad credit, no credit, or a bankruptcy.
Understanding
Vehicle Financing
[PDF
version]
Get the facts on dealership financing – what it is, how you apply,
special financing offers, cash back and rebates you may be eligible
for, and more.
Utility Credit
[PDF version]
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