Those who want to build or recover a credit rating can apply for a credit card, use it to make purchases a few times each month, and make the payments on time. This helps establish a pattern of responsible credit use. More » Business & Finance Credit & Lending

Credit cards are a convenient way to borrow money from a bank for purchase. Consumers pay this loan back on a set schedule. Banks charge interest for this convenience if consumers don't repay on time. More »

Most major credit card companies don't allow credit card bills to be paid by credit card. There are alternative methods of using a credit card to make bill payments, such as using the card to get a cash advance or transf... More » Business & Finance Credit & Lending

The advantages of a First Savings credit card are that it is unsecured, can be obtained by those with poor or no credit rating and can be used such people to improve their credit standing. Also, Better Business Bureau ha... More » Business & Finance Credit & Lending

The length of time needed to get a credit card varies depending on the lender. Many credit card companies have the card in the consumer's hands within 14 business days from the date when the application was approved. More » Business & Finance Credit & Lending

Bankrate, Credit Karma and Vertex42 offer credit card calculators that contain information related to outstanding balance, interest rate, monthly payment and desired month until debt free. From there, a user is able to v... More » Business & Finance Credit & Lending

One of the ways people qualify for a zero percent credit card is to have a good credit rating, according to Janna Herron for Bankrate. Credit card issuers prescreen prospective customers before sending out zero percent o... More » Business & Finance Credit & Lending