applied credit card

are you talking about the applied bank card?if so then i highly recommend it.i have one and the interest rate is what they say it is and it won't g up if your late.i wouldn't know about that because i haven't been late in almost 1 year. 9% is not bad for a secured card.

Thanks alot for the reply... But can you tell me how exactly the 9% is billed(applied) to the customer.. someone told me its everytime you swipe; another said its 9% of whatever ever your balance is. Can you direct me on how exactly these charges are applied and are there any other hidden fees i need to know about

Your monthly finance charges are based on your daily average balance. They take the balance at the beginning of your billing cycle and the balance at the end of your cycle and average that over how ever many days are in your billing cycle. Then times that by your APR. The APR is the annual rate you have to divide it by 12 to see what your monthly rate is. This is the basic way all credit cards work.

The amount of finance charges you get a month, has nothing to do with "swiping" your card:)

THANKS