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1 What is the difference between a debit card and a credit card?
Purchases made with a credit card are charged against a line of credit while purchases made with a debit card are funded by money that you already have in a bank account. Also, credit cards are more likely to have special perks and rewards programs. For example, credit cards may offer travel insurance, price protection and extended warranties on purchases made with those cards.
2 What does APR mean?
The APR stands for “annual percentage rate,” which is the standardized annual rate that lenders use to determine how much interest is charged on loans. The higher the APR, the more interest you will pay on your balances -- and the longer it will take to pay off the balance.
The APR that you get on your credit card will vary depending on your credit history, which determines your credit score. A higher credit score is likely to result in a lower APR because you are seen as a more reliable borrower.
3 Why do some credit cards have annual fees?
Some credit cards charge annual fees because they have certain features and perks that are not found with other credit cards. For example, airline credit cards usually have annual fees because they offer complimentary airfare, lounge access or priority-boarding privileges.
Secured credit cards may also carry annual fees because they lend to risky borrowers -- applicants don’t need a good credit score to qualify for this type of credit card.
If you are going to choose a credit card with an annual fee, make sure that the rewards and perks outweigh the costs.