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The Credit Card: Convenient or Costly?
Credit cards are probably the most convenient means of payment, for several reasons that are well known to everyone. For most people, however, they are a very costly means of payment -- and the worst part is that they don't even realize it.
This article will draw your attention to the hidden fees charged by credit card companies. Even if most people don't even notice them, these small sums can discretely accumulate and you end up paying hundreds of dollars a year. However, if you are aware of them, they can be avoided and you'll save that money instead of spending it.
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One of these hidden costs is connected with the shorter and shorter grace periods. In the past, people enjoyed a so-called grace period from the moment they used the credit card to make a purchase till the moment the bank started charging interest on the money used. If you paid off the card before the end of the grace period, you didn't have to pay any interest on the loan. Normally, that period was 30 days.
Now, however, things are different. Many banks have reduced the grace period to just 20 or 25 days. If you're not aware of this, and are still counting on a 30-day grace period, then you're paying interest and you're not even aware of it. But things are sometimes even worse, as some banks no longer allow any grace periods at all. In other words, they already star charging interest the minute you make a purchase.
You should have a look at the papers accompanying your credit card so that you can find out how long your grace period is. If you find it too short, perhaps you should think about cancelling your credit card and getting one that grants you better credit terms.
Late fees are another subtle money drain. It is very important that you should know how much your credit card company charges in such cases. If you add high fees to a shortened grace period, you'll be very surprised to see how much money you're spending unawares.
It is a very good idea to send off the cheque or to perform the electronic money transfer on the same day when you receive your credit card bill. First of all, you might have to pay a lot of money in late fees if you don't. Second, any delays will show on your credit report and make you look like a risky borrower to potential lenders. But perhaps the strongest reason is that the credit card company is entitled to raise your interest rate if you are late on even one single payment. And this applies to any late payment, no matter who the lender was. If your credit report shows it -- and it will -- the credit card company can raise your rates.
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It shouldn't be very difficult to pay more attention to these fees. If you're patient enough to keep a record of the money you've saved this way, you'll be surprised when you see the total amount at the end of a year.
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