Choosing A Credit Card, Credit Card Articles, Using Credit Cards - Tuesday, November 27, 2007 15:51 - 0 Comments

AT&T Credit Card

The AT&T Credit Card offers credit to its customers at great rates of interest. Several different types of credit cards that are offered and each of them can be explained under the following headings.

AT&T Universal Platinum Card
This type of AT&T Credit Card has the following characteristics:

No annual fee is charged for all the transactions that take place through the AT&T Universal Platinum Card . The Annual Percentage Rate is nil for the first 12 months. Henceforth it is charged at LIBOR(London Interbank Offered Rate) +6.01%. This APR can be fixed at 0 for an extended time period if the card holder fails to pay the balance, exceeds the credit limit or bounces a check.

• The payments that are made will be applied to the balances which have low APR balances.
• If one wants to enjoy the benefit of a zero Annual Percentage Rate at the time of balance transfer then the criterion is that he must complete his balance transfer within a period of 12 months.
• The credit card holder can enjoy free directory assistance inquiries per month.
• The AT&T Credit Card holder can enjoy upto 30 free phone minutes per month.
• The AT&T Credit Card holder is provided wit wireless phone loss and theft insurance.
• The AT&T Credit Card Credit Card holder is not liable in case the credit card is stolen and illegal purchase are made using this card.
• Citi Identity Theft Solutions are provided to the AT&T Credit Card holders.
• Free online services are made available to the credit card holders.

AT&T Universal Rewards Card
This type of AT&T Credit Card has the following characteristics:

• No annual fee is charged for the transactions that take through this card.
• The purchase Annual Percentage Rate is fixed with at LIBOR ( London Interbank Offered Rate) +6.25%
• Everything related to balance transfer is the same as the AT&T Universal Platinum Card.
• 6000 Bonus Thank You points can be earned if the first purchase is made within 3 months of membership.
• 5 Thank You points are earned for every dollar that is spent for using the AT&T Credit Card Products and services.