If you're thinking about lowest rate credit cards, don't leave yet. Payments, credits, or new purchases made during the current billing period are not taken into account. Some creditors also exclude unpaid finance charges in computing this balance. If you do not understand how the balance on your accountis computed, askthe lowest rate credit cards card issuer. Under the equal credit opportunity act, a credit scoring system may not use certain characteristics-like race, sex, marital status, national origin, or religion-as factors.
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To avoid delays that could result in finance charges, follow the card issuer's instructions about where to send payments. Payments sent to other locations could delay getting credit for your payment for up to lowest rate credit cards five days.
