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Are you looking for a secured card with no APR on purchases for the first 6 months, and a relatively low APR thereafter? Then the Public Savings Bank Secured Black Card might be the one for you.

After your introductory period, the interest rate will be a low 7.99% plus Prime – and you’ll have 25 days grace period after your statement arrives in which to pay the balance and avoid interest altogether.

Interest on cash advances, however, will be charged at 10.99% during the first 6 months, and from 19.99% to 23.99% thereafter.

Should you Make a late payment; Exceed your credit limit, make a payment that is returned, or do any of these things on another account with Public Savings Bank, your interest will go to 23.99% for an indefinite period of time.

Your monthly payment will be 2% of your balance or $10 – whichever is greater.

You’ll have a one-time set up fee of $79, and NO annual fee. When yo Read full article…

With even higher interest rates expected by experts in the future before the CARD Act is fully implemented, millions of cardholders have already seen their interest rates raised above 30 percent. For many that have tried to negotiate with their issuers unsuccessfully the only option has been to rid themselves of using credit cards altogether. While ridding yourself of your plastic may be for some, it is certainly not for all especially those who have their credit built on those cards. This is where an article entitled “How to Take the Sting out of Credit Card Rate Hikes” comes into play.

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Have you ever waded through pages and pages of credit card contracts in an attempt to figure out what your interest rate will be?  Have you overdrawn your account by a few cents, only to get slammed with a disproportionate fee?  Would you be upset if you purchased holiday gifts only to find your credit limit slashed and your interest rates dramatically increased?

Tomorrow night, tune in to Frontline on your local PBS channel to see “The Card Game,” and learn more about the sneaky ways that credit card companies and banks are taking advantage of consumers and preventing reform.  According to Frontline, consumers use plastic for more than 100,000 purchases a minute; at that rate, we deserve to know that we’re going to be protected from tricks and traps, but this show will illustrate just how far we are from that goal.

This show is in collaboration with a New York Times series with the same title, which we’ve blogged about many times in recent months.  Tomorrow’s show provides another way to absorb the massive amount of information out there regarding the need for financial reform.  You can watch a preview of the show below.

If you’re angry once you’ve seen the show, head over to our Action Center and tell your elected officials what you think!

Happy Black Friday, shoppers. Did you go out a-spending this morning? Are you still waiting in line as you read this post? We hope you’re having fun and took some of our advice for retail madness. If you’re reading this from your iPhone right now, take some time to review:

• Missed a deal? Never fear, price protection is here to cover the difference.
• Should you drop $100 for a product replacement plan? NO! Che

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Back in the day, when we still lived in Credit Card Candyland, it used to be another day, another credit card offer.

Nowadays, it’s more like another day, another credit card fee.

As the economic downturn lingers on, credit card companies have been facing defaults at historic levels. As a consequence, card issuers have become increasingly creative about finding ways to recuperate losses. And while the new Credit CARD Act of 2009 put some curbs on card issuers’ ability to charge high over-the-limit fees, the new provisions seem to have only further fed the stampede to come up with a whole new set of fees.

In this the brave new world of ever-multiplying fees, there seems to be a fee for almost everything. Her

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