Building and maintaining good credit isn't easy. We think of it as something completely within our power. Credit card companies can influence a credit rating behind the scenes and the annual percentage rate (APR) is affected based on the fine print in your contract.

The credit card application is straightforward and fairly easy for most people to complete. Using the card is easy too - just swipe and sign. Next comes the consumer credit card statement and that stops some people in their tracks.

Credit card APR is the biggest factor in determining how much you pay for your credit card, and so to get the best deal you need to know what it is and how it works. Here is some advice regarding the ins and out of credit card APR.

Everywhere you look it seems like another credit card company is offering a new reward program for using their credit card.

A 0% APR is essentially a credit card offered by credit card companies to their consumers with an ‘annual percentage rate' (APR) of zero percent. However, this rate does not exist forever, and after a period that ranges between three to twelve months, credit card companies begin charging higher rates of interest.

Credit cards are easy, right? You have a credit limit. As long as your balance isn't as high as your credit limit, you can pay for things with your credit card. When you pay for something with your credit card, you don't have to pay for it until later.

If you have poor credit, a credit score 629 or less, you might find it really difficult to obtain a credit card. However, now credit card companies are offering poor credit credit cards to people just like you to help you get back on the right track to good credit once more.

Orchard Bank Platinum MasterCard

Orchard Bank MasterCard® Secured

Orchard Bank Classic MasterCard