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Credit cards - interest rates - Brief Article - Statistical Data Included
Joan GoldwasserCard issuers want you to feel secure shopping online
Credit card issuers want to assuage your worries this holiday season about buying online. Earlier this year, both Visa and MasterCard expanded their zero-liability policies. If someone steals your number--in the virtual or the real world--you won't have to pay any unauthorized charges.
American Express's new Private Payments technology attacks hackers by assigning a different number to each online purchase. Cardholders get their randomly generated numbers at the Amex Web site.
Whatever card you use online, you'll get added protection from identity theft if the site encrypts the order information. The tipoff: The address protocol will change to "https" or "s-http" before you provide your account information.
Low-interest premium cards Best if you carry a balance
RECENT CASH-ADVANCE
ISSUER RATE(*) RATE/FEE(c)
Pulaski Bank & Trust (G) 8.75% 8.75%/none
Simmons First National (P) 9.95 9.95/none
USAA Savings Bank (G, P) 10.5 10.5/none
No-fee premium cards Best if you usually pay the
balance each month
RECENT CASH-ADVANCE
ISSUER RATE(*) RATE/FEE(c)
Capital One (G,P) 9.9% 19.8%/2.5%
Wachovia (G) 10.9 19.99/4
AFBA Industrial (P) 11.5 15.9/2
Rebate cards Best of the retail cards
RECENT CASH-ADVANCE
ISSUER RATE(*) RATE/FEE(c)
Kroger Visa 21.53%([dagger]) 21.53%([dagger])/3%
Bloomingdale's Prem Visa 20.4 20.4/3
Macy's Premier Visa 20.4 20.4/3
Low-interest premium cards Best if you carry a balance
ANNUAL LATE/
ISSUER FEE OVER LIMIT
Pulaski Bank & Trust (G) 50 $20/$20
Simmons First National (P) 50 20/none
USAA Savings Bank (G, P) 45 20/none
No-fee premium cards Best if you usually pay the
balance each month
ANNUAL LATE/
ISSUER FEE OVER LIMIT
Capital One (G,P) 25 days $29/$29
Wachovia (G) 20 days 29/29
AFBA Industrial (P) 25 days 15/none
Rebate cards Best of the retail cards
ANNUAL LATE/
ISSUER FEE OVER LIMIT
Kroger Visa none([dagger]) 2%/1%
([dagger])
Bloomingdale's Prem Visa none 3/1([double dagger])
Macy's Premier Visa none 3/1([double dagger])
Low-interest premium cards Best if you carry a balance
TELEPHONE
ISSUER NUMBER
Pulaski Bank & Trust (G) 800-980-2265
Simmons First National (P) 800-636-5151
USAA Savings Bank (G, P) 800-922-9092
No-fee premium cards Best if you usually pay the
balance each month
TELEPHONE
ISSUER NUMBER
Capital One (G,P) 800-822-3397
Wachovia (G) 800-842-3262
AFBA Industrial (P) 800-176-2265
Rebate cards Best of the retail cards
TELEPHONE
ISSUER NUMBER
Kroger Visa 877-257-6437
Bloomingdale's Prem Visa 800-670-9840
Macy's Premier Visa 800-922-7028
(*) As of Oct. 6; rates are adjustable, often tied to the prime rate.
(c) Cash advances often have no grace period; additional fees may be charged.
(G) gold card
(P) platinum card
([dagger]) may be lower, depending on credit history
([dagger])([dagger]) if used three times a year
([double dagger]) to earn rewards, must spend $1,000 annually; expire after six months
SOURCE FOR LOAN RATES AND CREDIT CARDS: Bankrate.com, N. Palm Beach, Fla.
COPYRIGHT 2000 The Kiplinger Washington Editors, Inc.
COPYRIGHT 2000 Gale Group
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