{"id":1277,"date":"2020-08-11T14:50:23","date_gmt":"2020-08-11T14:50:23","guid":{"rendered":"https:\/\/ppqchi.com\/5-things-you-may-not-have-known-about-credit-cards\/"},"modified":"2025-07-30T17:25:59","modified_gmt":"2025-07-30T17:25:59","slug":"5-things-you-may-not-have-known-about-credit-cards","status":"publish","type":"post","link":"https:\/\/ppqchi.com\/blog\/article\/5-things-you-may-not-have-known-about-credit-cards\/","title":{"rendered":"5 Things You May Not Have Known About Credit Cards"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2020-08-11T14:50:23+00:00\">August, 2020<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">5 Things You May Not Have Known About Credit Cards<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/ppqchi.com\/blog\/article\/category\/financial-tips\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Financial Tips<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/ppqchi.com\/wp-content\/uploads\/2020\/08\/thingsyoudidnotknowaboutcreditcards.jpg?w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"credit cards and balance transfers\" style=\"object-fit:cover;\" srcset=\"https:\/\/ppqchi.com\/wp-content\/uploads\/2020\/08\/thingsyoudidnotknowaboutcreditcards.jpg 1000w, https:\/\/ppqchi.com\/wp-content\/uploads\/2020\/08\/thingsyoudidnotknowaboutcreditcards.jpg?resize=300,150 300w, https:\/\/ppqchi.com\/wp-content\/uploads\/2020\/08\/thingsyoudidnotknowaboutcreditcards.jpg?resize=768,384 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<p>It may or may not come as a surprise to know that there are a little over 300 million adults in the United States, but <a href=\"https:\/\/www.creditcards.com\/credit-card-news\/ownership-statistics\/\" target=\"_blank\" rel=\"noopener\">374 million credit card accounts<\/a>&nbsp;open as of November 2019. One thing is for certain, though: Americans like their plastic. But do we know everything there is to know about owning and using one? Check out these facts on credit cards that may leave you scratching your head.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-interest-is-accruing-all-month\">Interest Is Accruing All Month<\/h2>\n\n\n\n<p>Most of us know already that if you pay off your balance in full each month, you won\u2019t pay interest on the money borrowed. But do you know how much interest you\u2019re actually paying if you don\u2019t? It\u2019s all about <a href=\"https:\/\/www.nerdwallet.com\/blog\/11-credit-card\/\" target=\"_blank\" rel=\"noopener\">how interest accrues<\/a>. Many of us might think we pay interest on the balance we still have at the end of the month. Instead, you\u2019re paying interest based on your average daily balance. This can sometimes make it difficult to figure out how much you actually owe, making it tough to know if you can pay it off. It also means you\u2019ll want to keep as small of a balance on your card throughout the month.<\/p>\n\n\n\n<p>With payday loans, however, you pay one flat fee to borrow money, a percentage of how much you borrowed. This makes it much clearer what you\u2019re paying to borrow the money and helps you be more certain you can pay it off by the repayment date.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-interest-rates-don-t-have-a-cap\">Interest Rates Don\u2019t Have A Cap<\/h2>\n\n\n\n<p>Let\u2019s say you\u2019ve had a credit card for years. For the most part, you\u2019re a good customer. You make at least minimum payments and some months you may not even carry a balance. Now, let\u2019s say you experience a financial crisis and you miss a couple payments. Not only does this impact your credit score, but this can actually impact your credit card\u2019s interest rate.<\/p>\n\n\n\n<p>See, credit cards <a href=\"https:\/\/www.bankrate.com\/finance\/credit-cards\/little-known-facts-credit-card.aspx\" target=\"_blank\" rel=\"noopener\">don\u2019t have federally regulated limits<\/a>&nbsp;on how high their interest rates can become. You may have a great rate for the first year you have a card but after that it can increase to any rate. Most credit card companies need to stay competitive, though, and generally tend to increase only when the overall market goes up. On the contrary, payday loans are much more regulated &#8211; ensuring customers don\u2019t borrow at the whims of a company.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fees-are-common\">Annual Fees Are Common<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.thebalance.com\/credit-card-annual-fee-explained-959986\" target=\"_blank\" rel=\"noopener\">The most common expense<\/a> of owning a credit card is an annual fee. It\u2019s a yearly cost associated with just having a credit card, regardless if you actually use it. They can range from $25 to $500 a year, and typically pay for the benefits that come with your card, such as rewards. Typically, the more rewards you have, the more expensive your annual fee. Most of us pay the annual fee on our first statement and at every card anniversary date thereafter. Even if you downgrade to a card without benefits, you may still have to pay that annual fee. In fact, <a href=\"https:\/\/www.bankrate.com\/finance\/credit-cards\/should-you-get-a-credit-union-credit-card-1.aspx\" target=\"_blank\" rel=\"noopener\">10 percent<\/a>&nbsp;of credit unions and 45 percent of banks charge this type of fee, regardless of the card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-and-a-lot-of-other-fees-are-common-too\">And a Lot of Other Fees Are Common, Too<\/h2>\n\n\n\n<p>There can be a lot of other fees associated with your card. Here\u2019s <a href=\"https:\/\/www.nerdwallet.com\/blog\/credit-cards\/how-to-avoid-credit-card-fees-lis\/\" target=\"_blank\" rel=\"noopener\">the breakdown of potential credit card fees<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Balance Transfer Fee:<\/strong> This fee is charged for moving money between credit cards and is usually a percentage of the dollar amount transferred.<\/li>\n\n\n\n<li><strong>Exceeding Credit Limit:<\/strong> If you make a charge to your card that puts you over the limit of your credit, you will be charged a fee for the bank or credit card company allowing the charge to go through.<\/li>\n\n\n\n<li><strong>Late Payment Fee:<\/strong> If you miss a payment, you will get charged a fee. Avoid this by paying every 30 days on or by your due date.<\/li>\n\n\n\n<li><strong>Cash Advances and Cash-Like Transactions: <\/strong>To request a cash advance from your credit card or make a cash-like transaction could end up costing you a whopping 30 percent of your advance. A cash-like transaction includes purchases on wire transfers, lottery tickets, casino chips, traveler\u2019s checks, and money orders.<\/li>\n\n\n\n<li><strong>Returned Payment Fee:<\/strong> If you don\u2019t have enough credit on your card and you make a payment, the payment will be blocked and you will be charged a fee &#8211; generally around $35.<\/li>\n<\/ul>\n\n\n\n<p>With payday loans, though, you have a single fee for the cost of borrowing money. And you\u2019ll know exactly how much it is before you even apply for the loan. While non-payment of your payday loan can result in higher loan costs, the fee to borrow relies solely on the amount you are borrowing and does not change no matter the situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-we-overspend-using-credit-cards\">We Overspend Using Credit Cards<\/h2>\n\n\n\n<p>Despite all the costs associated with borrowing money via credit cards, we still use them &#8211; a lot. At the end of 2017, we owed a staggering <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/loans\/credit-card-debt-statistics.html\" target=\"_blank\" rel=\"noopener\">$834 billion as a country<\/a>; that\u2019s a little over $6,000 per household. And this means that the average American would pay over $1,000 in credit card interest. Despite this, we\u2019ve managed to bring the national delinquency rates down to just under 2.5 percent, an impressive dip from its peak of close to 7 percent back in 2009. Still, paying thousands to borrow money seems excessively high &#8211; even if that is paid out over a period of a few years.<\/p>\n\n\n\n<p>While credit cards can be great tools for improving your credit and making small purchases, they can also quickly get consumers in big trouble. Plus, given that it\u2019s required to have a minimum credit score to be approved for unsecured cards, they can be inaccessible for a large portion of the population.<\/p>\n\n\n\n<p>Payday loans and installment loans, on the other hand, are accessible to all. They don\u2019t require perfect credit and not much more than a bank account and income to be approved. They can be less expensive when paid back on time and allow you to borrow as little as $50 or as much as $4,000 depending on where you live. At <a href=\"https:\/\/ppqchi.com\/\">LendNation<\/a>, you\u2019re more than a number, whether that\u2019s the number of your credit score or your credit card. We work to build relationships with all of our customers to ensure the best borrowing experience possible.<a href=\"https:\/\/ppqchi.com\/MyAccount\/#!\/registration\"> Reach out today<\/a> to find out just how one of our title loans, installment loans or payday loans might solve your borrowing needs!<\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-10863 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-tips tag-bnpl tag-budget-tips tag-credit-score tag-debt-to-income-ratio tag-how-bnpl-affects-credit tag-lates-fees tag-payment-plan tag-repayment-terms tag-soft-inquiry tag-what-is-bnpl\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">Buy Now Pay Later: Simple Guide to Costs &amp; 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Care to learn more? We have info that could help save you cash. Count on LendNation to help with your lending needs.<\/p>\n","protected":false},"author":18,"featured_media":1278,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[67],"tags":[42],"class_list":["post-1277","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","tag-cash-advance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5 Things You May Not Have Known About Credit Cards - LendNation<\/title>\n<meta name=\"description\" content=\"Think you know a lot about credit cards? Care to learn more? We have info that could help save you cash. 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