Crash Course in Credit Cards: - Learn the Fundamentals of Credit Card Use

TABLE OF CONTENTS

TYPES OF CREDIT CARDS
what is a decent credit card?
what are the different types of credit cards?
what is a secured credit card and how do you use it?
what is a retail credit card, and why are they horrible?
what is a retail store/unsecured credit card hybrid and why these are better?
what is an unsecured credit card? the most common type

UNDERSTANDING YOUR CREDIT CARD AGREEMENT
what is an apr (annual percentage rate)?
why is the apr different for balance transfers?
what is an introductory interest rate and why is it useful?
what is an annual fee and can you avoid them?
what are transaction fees and why are you charged them?
what are penalty fees and why are you charged them?

UNDERSTANDING YOUR CREDIT CARD STATEMENT
payment due date
statement balance or new balance
current balance
interest saving balance
minimum payment due
late payment fee

RESIDUAL INTEREST AND WHY IT'S THE REASON I WROTE THIS E-BOOK
what is it? and how to avoid paying it?

UPGRADING FROM A SECURED CREDIT CARD TO AN UNSECURED CREDIT CARD
using the credit card regularly
credit score requirement
unsecured cards for poor credit scores
direct upgrades
what to do if your card does not directly upgrade

WHY USING YOUR DEBIT CARD IS A BAD IDEA
payment due date
statement balance or new balance
current balance
interest saving balance
minimum payment due
late payment fee

CASH ADVANCES... YIKES!
and how these can ruin your credit

BALANCE TRANSFERS AND PROMOTIONAL CASH ADVANCES
why they are a good thing
how you can use them to save hundreds, even thousands, in interest

WHAT IS A GRACE PERIOD AND HOW IT CAN REALLY SCREW YOU UP!
what is a grace period?
How you can lose your grace period
cash advances have no grace period

PAYING YOUR MONTHLY BILL
monitoring your usage
budgeting for your payment
how setting up your online account is helpful

WHAT IS YOUR CLOSING DATE AND WHY DOES IT MATTER?
what is your closing date?
what does it mean for your statement balance?
what does it mean for your due date?
how does it effect your late payment fee?
how does it effect your credit report?

and that's it!
your crash course in credit
if you have any questions e-mail me at
or send me a dm on twitter at @crashcoursecred

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Crash Course in Credit Cards: - Learn the Fundamentals of Credit Card Use