Low rate credit cards about the cheapest rates credit cards.
Looking for credit card with a low rate with no balance transfer fee, then the Halifax Easy Rate Card could be for you. Halifax Easy Rate Credit Card offer the lowest rate available at a typical 8.9% APR (variable). This rate is for both balance transfers and purchases
• A typical rate of 8.9% APR (variable) on balance transfers and on purchases
• No balance transfer fee
• No interest on purchases if you pay your balance in full and on time each month
• No annual fee
• There is a choice of five card colours
Your personal APR for purchases and balance transfers will be either 8.9% APR (variable), 12.9% APR (variable) or 14.9% APR (variable).
Another card to consider is the Barclaycard Platinum Simplicity also offering a low rate which is currently 6.8%. The Barclaycard Platinum Simplicity credit card offers one low rate of 6.8% p.a on balance transfers and purchases making it ideal if you do not want to transfer your balance again.
Finally there is the Co-op Platinum fixed-rate card. The Co-operative Platinum Fixed Rate credit card which comes with another low rate of 9.9% APR typical/variable rate. The Co-operative Platinum 9.9% rate will remain fixed for 5 years and applies to all your purchases and balance transfers. (After 5 years the rate becomes variable). Plus there is no annual fee to pay – there isn’t.
There has been alarming rise in the number of credit card misuse in last few years, If uses to purchase or do any online transactions using credit card on the Internet, the details of the card are captured and are stored somewhere on the net, and at times used for criminal activities. At the end the card holder lands up with unnecessary bills in his account. These days many sites promise to have a secured server connection that most of the people are convinced off. But the virus on the internet will cause the credit card details to be transmitted and stored somewhere else in the internet.
Wide-ranging fraud and theft are found to be committed by the use of a credit card or any other relevant payment mechanism. They are used as fraudulent sources of funds and is known as Misuse of credit card. The main purpose behind this is to obtain funds and purchase good without the know how of the card holder. Credit card misuse is a part of identity theft. The Federal Trade Commission states that for the last few years theft identity had been gaining steady hold. In 2008 there has been an increase of 21 percent and 32 percent in 2009. Due to the increase in the number of transactions online such thefts are in high.
The misuse begins with actual or virtual thefts of cards followed by compromising data that are associated with the respective account, for doping transactions or taking money using the routine card information. Holder of the card does not even sense the misuse at individual level and time he notices it, it is already too late. For example a clerk of a store can easily copy the receipts of sales to use later. Too much load on internet in terms of online transactions also lead to the security lapses of database, particularly, costly. In certain cases, millions of accounts are compromised.
There are certain precaution measures must be followed by the card holder like, as soon as the card holder finds that the card his missing he must loge a complaint. In certain cases the thief holds the credit card for about weeks or even months prior any misuse. Thus, this makes it difficult to recognize the particular source of the compromise. The card holder blocks the card and the issuer issues a new card to the customer, suddenly in a blue moon the card holder notices that there has been big misuse of his card once he receives his/ her bill statements, which may be delivered in frequently.
To avoid misuse of credit cards one must use merchant sites requiring extra information from the customers while transactions, like sites with Visa and MasterCard called Verified by Visa and MasterCard SecureCode access, under the umbrella term 3-D Secure.
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