It is true. First-world countries like the United States of America could never be the same without the almighty credit card. According to research studies, an average American family maintains at least eight (8) credit cards, with emphasis on “at least.” Having a card is a staple in the American lifestyle. Research studies, however, have another alarming finding: the fact that most credit card holders are in debt, or are having problems with credit card companies.
One dilemma for credit card holders is the incredibly high rates that companies prescribe for consumers. It is a fact that most card applicants overlook the Annual Percentage Rate (APR) of a card because other features seem to be more important. For example, a 5% … (more) November 5, 2009

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