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Your card is the physical card, the account number, or any device (including a check) that can be used to access your credit card account.
- Browse Related Terms: Authorized user, CARD, Cash advance, Credit Card, Credit card agreement, Everyday debit card transactions, Overdraft, Secured credit card, Standard payment instructions
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You receive a cash advance when you use your card or account to do any of the following:
- obtain cash from an automated teller machine (ATM); or
- obtain cash from any other source; or
- make a wire transfer; or
- buy foreign currency; or
- buy traveler’s checks; or
- buy money orders; or
- buy Lottery tickets; or
- buy gambling chips and wagers; or
- cash an access check.
- Browse Related Terms: Authorized user, CARD, Cash advance, Credit Card, Credit card agreement, Everyday debit card transactions, Overdraft, Secured credit card, Standard payment instructions
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A fee charged when you use a credit card for a cash advance, such as withdrawing cash from an ATM. This may be a flat fee or a percentage of the amount of the cash advance.
- Browse Related Terms: Annual Percentage Rate (APR), Balance Transfer, Balance-transfer fee, Cash-advance fee, Interest rate, Membership fee, Participation fee
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An agency that keeps a record of your credit; also called a credit-reporting agency.
- Browse Related Terms: Address on file, Assign, Credit bureau, Credit History, Credit limit, Credit Report, Credit reporting agency, Credit score, Debt cancellation coverage, Debt suspension coverage, Default, Foreign currency transaction, Retail credit card, Treasury bill rate, Workout agreement
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All > Business > Finance > Personal Finance > Consumer Credit > Credit Card
A payment device that allows you to make a purchase when you don't have cash on hand. Your card's terms and conditions and any additional features will be outlined in your credit card agreement.
- Browse Related Terms: Authorized user, CARD, Cash advance, Credit Card, Credit card agreement, Everyday debit card transactions, Overdraft, Secured credit card, Standard payment instructions
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A document that outlines the terms and conditions for using your credit card. It is your contract with your credit card company.
- Browse Related Terms: Authorized user, CARD, Cash advance, Credit Card, Credit card agreement, Everyday debit card transactions, Overdraft, Secured credit card, Standard payment instructions
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A service that employs credit counselors who will look at your financial situation and help develop repayment options. They may be able to negotiate with your credit card company. They may charge a fee for their services.
- Browse Related Terms: Affinity card, Credit counseling service, Opt-in, Opt-out, Premium credit card, Prime rate, Purchases
All > Business > Finance > Personal Finance > Consumer Credit > Credit Card
- See credit report.
- Browse Related Terms: Address on file, Assign, Credit bureau, Credit History, Credit limit, Credit Report, Credit reporting agency, Credit score, Debt cancellation coverage, Debt suspension coverage, Default, Foreign currency transaction, Retail credit card, Treasury bill rate, Workout agreement
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All > Business > Finance > Personal Finance > Consumer Credit > Credit Card
- The maximum amount that may be borrowed on a credit card.
- Browse Related Terms: Address on file, Assign, Credit bureau, Credit History, Credit limit, Credit Report, Credit reporting agency, Credit score, Debt cancellation coverage, Debt suspension coverage, Default, Foreign currency transaction, Retail credit card, Treasury bill rate, Workout agreement
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A history of loan and bill payments, kept by a credit bureau and used by financial institutions and other potential creditors to determine the likelihood that your future debt will be repaid. Lenders and insurers use information from credit reports, along with your credit score, to set loan and insurance rates. Also called a credit history. To learn more about credit reports, visit our Consumer's Guide to Credit Reports and Credit Scores.
- Browse Related Terms: Address on file, Assign, Credit bureau, Credit History, Credit limit, Credit Report, Credit reporting agency, Credit score, Debt cancellation coverage, Debt suspension coverage, Default, Foreign currency transaction, Retail credit card, Treasury bill rate, Workout agreement
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All > Business > Finance > Personal Finance > Consumer Credit > Credit Card
- See credit bureau.
- Browse Related Terms: Address on file, Assign, Credit bureau, Credit History, Credit limit, Credit Report, Credit reporting agency, Credit score, Debt cancellation coverage, Debt suspension coverage, Default, Foreign currency transaction, Retail credit card, Treasury bill rate, Workout agreement
All > Business > Finance > Personal Finance > Consumer Credit > Credit Card
- A number that summarizes your credit record and history. The score is based on several factors, including whether you pay your bills on time, your current level of debt, the types of credit and loans you have, and the length of your credit history. Lenders and insurers use your credit score and information from credit reports to set loan and insurance rates.
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All > Business > Finance > Personal Finance > Consumer Credit > Credit Card
- A fee charged if you ask for and receive an increase in your credit limit.
- Browse Related Terms: Annual fee, application fee, Authorized charge, Credit-limit-increase fee, Late-payment fee, Over-the-limit fee, Penalty fees, Protected balances, Returned payment, Set-up fee, Workout arrangement