BEST CREDIT CARDS IF YOU
CARRY A BALANCE
Here are the best credit card deals available
nationally as of March 6, 1999, for customers who pay off their monthly
balances as well as those who don't. Rates are for regular credit cards,
not premium cards, and information applies to purchases only. Cash advances
frequently are charged interest from the date of transaction. Additional
fees may be charged such as for exceeding a credit line, making a payment
late, obtaining a cash advance, making an ATM transaction or if a check
is returned. V = variable rate.
BEST CREDIT CARDS FOR PERSONS WHO
CARRY BALANCES: |
| Institution, location, phone number |
Interest
Rate |
Annual
Fee |
Interest Free
Days/From |
| Wachovia Bank, New Castle, DE (800) 241-7990 |
7.75%V |
$88 |
20/billing |
| Huntington Natl Bank, Columbus, OH (800) 480-2265 |
8.75%V |
$39 |
25/billing |
| USAA Savings Bank, Las Vegas, NV (800) 922-9092 |
8.75%V |
$45 |
25/billing |
| Pulaski Bank & Trust, Little Rock, AR
(800) 980-2265 |
9.45%V |
$35 |
25/billing |
| Metropolitan National Bank, Little Rock, AR
(800) 883-2511 |
9.48%V |
$25 |
25/trans |
| Simmons First Natl Bank, Pine Bluff, AR (800)
636-5151 |
9.50%V |
$35 |
25/billing |
| Capital One Bank, Richmond, VA (800) 822-3397 |
9.90% |
$0 |
25/billing |
| Astoria Federal Savings, Lake Success, NY
(800) 955-9900 |
9.99%V |
$0 |
25/billing |
| Bank One, Wilmington, DE (888) 221-9067 |
9.99% |
$0 |
25/billing |
| First USA Bank, Wilmington, DE (800) 294-2993 |
9.99% |
$0 |
25/billing |
| AFBA Industrial Bank, Colorado Spgs., CO (800)
776-2265 |
10.25%V |
$35 |
25/billing |
| Amalgamated Bank, Chicago, IL (800) 723-0303 |
10.50%V |
$37 |
25/billing |
| First Union, Charlotte, NC (800) 377-3404 |
10.65%V |
$39 |
25/billing |
| Central Carolina Bank-Georgia, Columbus, GA
(800) 672-2539 |
11.25%V |
$20 |
25/billing |
| Ohio Savings Bank, Cleveland, OH (800) 987-6446 |
11.50%V |
$18 |
25/billing |
| AmTrust, Boca Raton, FL (888) 268-7878 |
11.50%V |
$18 |
25/billing |
BEST CREDIT CARDS FOR PERSONS WHO
PAY OFF BALANCE MONTHLY
If you pay your credit-card balance every
month, the interest rate doesn't matter. You need a card with no annual
fee and a long grace period before interest charges start. Here are the
best deals offered by national card issuers. |
| Institution, location, phone number |
Interest
Rate |
Annual
Fee |
Interest Free
Days/From |
| Capital One Bank, Richmond, VA (800) 822-3397 |
9.90% |
$0 |
25/billing |
| Bank One, Wilmington, DE (888) 221-9067 |
9.99% |
$0 |
25/billing |
| First USA Bank, Wilmington, DE (800) 294-2993 |
9.99% |
$0 |
25/billing |
| AFBA Industrial Bank, Colorado Springs, CO,
(800) 776-2265 |
11.40%V |
$0 |
25/billing |
| Ohio Savings Bank, Cleveland, OH, (800) 987-6446 |
11.50%V |
$18 |
25/billing |
| USAA Savings Bank, Las Vegas, NV, (800) 922-9092 |
11.65%V |
$0 |
25/billing |
Source: The Bradshaw Financial Network,
IBC USA Information Services, Inc., Ashland, MA 01721.
http://www.bradshawbankdata.com
-- CompuServe: Go RateGram |
© 1999
Tribune Media Services, Inc. |
