November 2010

There used to be thousands of student credit card offers out there, all competing for clients. College students just had to walk on campus, fill out a form, and presto: a brand new credit card, no credit check or history required. These days, though, things aren't so simple, and credit card offers are fewer and further between.

If you've never heard of a secured small business credit card, chances are you've never heard of a secured credit card, period. And that makes perfect sense. Most people with a good credit rating and a solid credit history don't know about things like secured cards - why would they? They've never needed them.

If your credit's a bit shaky, no one needs to tell you how difficult it is to find credit cards for bad credit. You're probably already shaking your head in frustration. Well, there's good news and bad news: you definitely can get a credit card, even with a poor credit rating, but it's not always the easiest thing to do.

When it comes to credit card rates and fees, many of us are in the dark. We know that we have to pay an interest rate on money we borrow, and we know that we sometimes pay fees for credit card services - and that's about it. So what do all of those little payments really add up to?