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By law, the late fee on a credit card can be a maximum of , and only if you've missed two consecutive payments.Charge cards don’t have an interest rate, so that’s one factor you can take out of the equation when you’re shopping for a charge card. The credit card interest rate is one of the most important credit card features since the interest rate directly influences how much you pay for carrying a balance on your credit card.Opening your first credit card and using it wisely can be a great way to establish and build credit.However, when you have little to no credit history to begin with, it can be challenging to find a lender who is willing to take a chance on you. You can typically find credit cards you can qualify for with limited credit history, or even no credit history at all.Though people often use the names interchangeably, credit cards and charge cards are two different things.Both cards help you make purchases without using cash, but only one of the cards allows you to carry a balance from month to month.Your spending limit is based on what the credit card issuer thinks you can afford to repay each month based on a number of factors including your income, spending and payment habits.

Yes, it may be possible to qualify for a credit card with no credit history.

A credit card, on the other hand, allows you to have a revolving balance that you can pay off over a period of time.

The convenience of making minimum payments attracts consumers, and some find themselves getting quickly into credit card debt.

Some credit card issuers even develop and market products that are designed for consumers who need to build or even rebuild their credit history.


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