Annual Fee

Various card issuers charge an annual fee, which can help offset costs that issuers incur in maintaining accounts and providing services.

Annual Percentage Rate (APR) Stands for ‘annual percentage rate'. A figure, expressed as a percentage, which incorporates interest charged upon credit card as well as any additional fees.

Association for Payment Clearing Services (APACS)

The banking industry body that oversees money transmission and payment clearing activities in UK.

Automated Teller Machine (ATM)

Another term for a cash machine.

Balance

The total amount that you owe your credit card provider and includes charges such as interest and fees.

Balance Transfer Rate

The interest rate that will be charged on any balance transferred from a previous credit card onto a new one.

Cash Advance

Withdrawing money from a cash machine using your credit card. There is usually a charge imposed for this service. A cash advance is different from a withdrawal you make with your ATM card.

Charge Card

This is a type of credit card often favoured by businesses on which balance must be paid off in full each month.

Credit Limit

This is maximum amount you can borrow using your card.

Credit History

A record of how you have paid accounts in past; used as a guide to determine whether you're likely to pay accounts on time in future.

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1.) Borrowing is to do your banking with devil.

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4.) Borrowing (beyond for house and auto), even for need reasons, is a lack of faith that God is capable of providing or a matter of doubting that He will. And, believing anything less than that God loves you enough to be there for you is to side with Satan in calling God a liar. Though, God is capable of providing houses and cars, too.