Sydney Garth, Credit Cards Moderator. You might get a TJX Store Card pre-approval letter if you fit the issuer’s criteria for offering you one. Unfortunately, there’s no other way to check if you pre-qualify for this card. Getting pre-approved is only a soft pull on your credit, but it doesn’t guarantee your actual approval for the TJX ...Written by: Eric Bank. Edited by: Lillian Guevara-Castro. Reviewed by: Ashley Fricker. Updated: August 30, 2023. In this review of pre-approved credit cards by issuer, we describe how to get a credit card with a minimum of fuss. We look at the pre-approval processes of five major card issuers: Capital One, Chase, Discover, American Express, and ...Aug 8, 2023 · So this Sam’s Club credit card is best when used only for those bonus categories. After all, 1% is just the market average for a cash back card. No annual fee & no financing appeal. Neither Sam’s Club credit card charges an annual fee, which saves you $21.5 per year relative to the average credit card. January 2, 2023 • Credit Cards. If you currently have a store credit card or have thought about getting one, there’s a good chance that it’s from Synchrony Bank. With more than 85 years of experience in the financial services industry, Synchrony partners with well-known retail brands across the country. Sep 6, 2023 · Updated: August 30, 2023. The quartet of Chase prequalify and preapproval credit cards require you to have good or excellent credit to get one. In fact, JPMorgan Chase is known for its rigorous approval standards, so any opportunity you can take to check your winning odds is valuable. Chase Bank can make a prequalified offer or preapproved ... The steps to prequalify for a personal loan may vary by lender, but here is what you can generally expect: 1. Complete the prequalification form. The lender will ask for some basic information ...Credit Application Login - Sam's Club. Skip to main content. Skip to footer. Help center. Credit Card. 5 POINTS per $1 at the Camping World and Good Sam family of brands 1. 3 POINTS per $1 at private campgrounds & gas stations 2. 1 POINT per $1 everywhere else Visa® is accepted 2. 6 MONTHS SPECIAL FINANCING on in-store purchases over $299 at the Camping World and Good Sam family of brands 3. 2,000 BONUS POINTS the first time you ... 10% back in rewards: *Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit with your Best Buy Credit Card. If you apply and are approved for a new My Best Buy® Credit Card, your first day of purchases on the Credit Card using Standard Credit within the first 14 days of account ...SAM.gov The System for Award Management (SAM) is the Official U.S. Government system that consolidated the capabilities of CCR/FedReg, ORCA, and EPLS Forbes Advisor estimates that the household has $36,177 in expenses that can be reasonably charged to a credit card. At 2% cash back, the Synchrony Premier World Mastercard would earn $723.54 cash ...Feb 23, 2023 · SoFi has pre-approval, but it only extends pre-approved offers via mail or e-mail, or to existing customers through their online account. SoFi does not have an online tool that interested consumers can use to check their pre-approval status. And unlike online pre-approvals that may return results for multiple cards with the highest odds of ... Nov 18, 2015 · If you're able to get the Sam's Club MasterCard, it's a very sweet card... 5% cash back on gas, 3% for restaurants and travel, and that's in addition to the benefits of the 'regular' Sam's Club Credit account, also known as the PLCC (private label credit card). Select ‘My Account’. Select ‘Macy’s Credit Card’. Select the ‘Statements & Recent Activity’ button. In the ‘Download Statements’ section, choose the date and format of the statement you want to view or print, then select the ‘Download’ button. Select the PDF option if you are looking for an image that resembles a ... A mortgage pre-qualification is the process where a lender reviews your self-reported income, debts and credit to determine an approximate loan amount you may be able to borrow. To pre-qualify for a mortgage means you meet a lender’s general guidelines based on the information you provide. Keep in mind, lenders may use different criteria to ...Feb 23, 2023 · Visit the Home Depot® Credit Card pre-qualification page. Enter your name, email address, phone number, and the last 4 digits of your Social Security number. Click the “Continue’ button and see if you are pre-qualified. To respond to a pre-approved offer in the mail, visit the issuer’s pre-approval page and enter the invitation code ... Sam's Club Credit Online Account Management. Not sure which account you have? click here. Credit Account Type Lookup. Account Number: ©2020 Synchrony Bank ...ITS APPROVED!! Many years ago I straight out applied and was denied... just couple weeks later I received the pre-approval in mail letter and was approved for $1500!! I have NEVER once seen someone get the pre-approval in mail, at register, in store anywhere and accept it and then be told no...SHOP NOW. 0% APR for 48 months on eligible TVs ⊕. SHOP NOW. 12 months financing on home appliances †. SHOP NOW. 6, 12 or 24 month financing terms on orders over $50 or more ±. SHOP NOW. ⊕ 0% APR for 24, 36, 40 or 48 Months with Equal Payments: Available on purchases of select products charged to a Samsung Financing account. Show More. Nov 18, 2015 · If you're able to get the Sam's Club MasterCard, it's a very sweet card... 5% cash back on gas, 3% for restaurants and travel, and that's in addition to the benefits of the 'regular' Sam's Club Credit account, also known as the PLCC (private label credit card). Aug 4, 2023 · You can check for Synchrony Bank pre-approval online for certain credit cards by visiting the affiliated brand’s website before applying and filling out the required information. Generally, checking for pre-approval will help you assess your approval odds before submitting a credit card application. Just keep in mind that not all Synchrony ... Visit the Home Depot® Credit Card pre-qualification page. Enter your name, email address, phone number, and the last 4 digits of your Social Security number. Click the “Continue’ button and see if you are pre-qualified. To respond to a pre-approved offer in the mail, visit the issuer’s pre-approval page and enter the invitation code ...A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends. Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. Raise your credit limit.A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends. Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. Raise your credit limit.Pay Online. Pay your Discount Tire credit card online at Synchrony's website. visit website. Mail To. Synchrony Bank. P.O. Box 960061. Orlando, FL 32896-0061. Our Mobile App. You can access your statement and make a payment via our app. Pre-approval offers can be delivered by physical mail or email, or provided verbally through a phone call. A pre-approval offer suggests you've passed the first step in the screening process. But remember — you can't actually be approved for the card unless you apply. You may seem like a promising candidate, but the lender will likely want ...Capital One VentureOne Rewards Credit Card. Finder Rating: 3.5 / 5: ★★★★★. Up to 5x miles. $0. 0% intro for the first 15 months (then 19.99% - 29.99% variable) Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. See rates & fees. Go to site.Jan 13, 2023 · This allows Comenity Bank to flag the application as pre-approved. Comenity Bank pre-approval doesn’t guarantee that you’ll be approved for a card, but it does indicate that you have a 90% chance of getting approved if you apply. Pre-approvals do not affect your credit score, as they’re done using a soft pull. But if you decide to apply ... When you spend between $500 and $999 per month, you’ll receive a rebate of 30-cents per gallon. Even if you spend less than $500, you’ll still get a 10-cent rebate per gallon. Once you’ve accumulated a minimum of $25 in rebates, you’ll get a cash card to be used for any future Marathon purchase. Sep 1, 2023 · The Ann Taylor Mastercard earns 5 rewards points per dollar spent with Ann Inc. stores. For every 2,000 rewards points or $400 spent online or in-store, you’ll get rewarded with a $20 rewards card (5% back). Your first purchase made outside the Ann Inc. family will also trigger a $20 rewards card. Mar 1, 2020 · Hello all, last week I went to Sam's Club to buy some things and was not expecting to be prequalified for thier mastercard at the register. I decided to pass and look up the benefits and found it's a 5% cash back on gas! I was surprised and tempted since my highest gas cash back card is the BankAmericard with 3% (Excluding Chase and Discover's ... So this Sam’s Club credit card is best when used only for those bonus categories. After all, 1% is just the market average for a cash back card. No annual fee & no financing appeal. Neither Sam’s Club credit card charges an annual fee, which saves you $21.5 per year relative to the average credit card.Aug 8, 2023 · So this Sam’s Club credit card is best when used only for those bonus categories. After all, 1% is just the market average for a cash back card. No annual fee & no financing appeal. Neither Sam’s Club credit card charges an annual fee, which saves you $21.5 per year relative to the average credit card. Email addresses provided through the pre-qualification tool may be used to provide reminders of the coupon for the 30 days after submission. *35% COUPON IS VALID FOR ONE TRANSACTION IN STORE OR ONLINE WHEN YOU USE YOUR NEW KOHL'S CARD WITHIN 14 DAYS OF CREDIT APPROVAL. Surrender coupon with ID for in-store purchase before your card arrives or ...Ultimate Support MDS-100 Modular Device Stand. $67.99. Ultimate Support MC05 Round Base Straight Microphone Stand. $40.99. Ultimate Support MC-40B Pro Microphone Stand. $52.99. Ultimate Support MC-40B Pro 3-Pack Mic Stand with Boom, Black. $129.99. Ultimate Support Nucleus-Z Navigator Fully Expanded Workstation Desk. Mar 1, 2006 · Sam's Club preapproval. I know I have asked the preapproval question already but this is a little different. I got a $300 preapproval from Sam's Club/GE Money Bank yesterday. I'm considering applying for this card because I regularly shop there. I've recently disputed a few things on my Equifax and Experian reports. Home Depot Consumer Credit Card. The Home Depot Consumer Credit Card * is a store card, meaning it can’t be used outside of Home Depot. The card offers six months of special financing on ...Using an updated version will help protect your accounts and provide a better experience. We’ve signed you out of your account. We’ve enhanced our platform for chase.com. For a better experience, download the Chase app for your iPhone or Android. Or, go to System Requirements from your laptop or desktop.Nov 16, 2022 · If you’d like to be buried in either of these Department of the Army cemeteries, please call 877-907-8585 ( TTY: 711 ). We’re here Monday through Friday, 8:00 a.m. to 5:30 p.m. ET, and Saturday, 9:00 a.m. to 1:00 p.m. ET. Getting a pre-need determination of eligibility doesn’t guarantee you’ll be buried in a specific VA national cemetery. As of June 23, 2023, users can go into their registration in SAM.gov and select from the most recent socio-economic categories. May 26. Changes to the Purpose of Registration (POR) Page in SAM.gov. Effective May 26, 2023, SAM.gov has updated the way you select your purpose of registration. When you start a new entity registration or update an ... Benefits of the Sam’s Club Card. Image Credit: Sam’s Club. With the Sam’s Club card, cardholders can earn several benefits: Earn 5% cash-back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1%) Earn 3% cash-back on dining. Earn 3% cash-back on Sam’s Club purchases for Plus members (otherwise 1%) Earn 1% cash ...May 25, 2022 · Sam’s Club Plus membership costs $100 per year (although Sam’s sometimes offers a one-time price of $40 to join), with up to 16 additional accounts addable for $40 each. With BJ’s, the costs are very similar. No Interest if paid in full within 12 Months††. No minimum purchase required for Ashley Advantage™ Synchrony purchases. $1200 minimum purchase required for Ashley Advantage™ Great American Finance purchases. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months.Email addresses provided through the pre-qualification tool may be used to provide reminders of the coupon for the 30 days after submission. *35% COUPON IS VALID FOR ONE TRANSACTION IN STORE OR ONLINE WHEN YOU USE YOUR NEW KOHL'S CARD WITHIN 14 DAYS OF CREDIT APPROVAL. Surrender coupon with ID for in-store purchase before your card arrives or ...Feb 23, 2023 · Visit the Home Depot® Credit Card pre-qualification page. Enter your name, email address, phone number, and the last 4 digits of your Social Security number. Click the “Continue’ button and see if you are pre-qualified. To respond to a pre-approved offer in the mail, visit the issuer’s pre-approval page and enter the invitation code ... You get 5% back on the first $6,000 per year on fuel purchases, including those at Sam’s Club locations. After $6,000, the fuel cash back drops to 1%. You get 3% back on qualified travel and dining purchases. You earn 1% back on any other purchase. There are no foreign transaction fees or annual fees for this card.Select ‘My Account’. Select ‘Macy’s Credit Card’. Select the ‘Statements & Recent Activity’ button. In the ‘Download Statements’ section, choose the date and format of the statement you want to view or print, then select the ‘Download’ button. Select the PDF option if you are looking for an image that resembles a ... To increase your chances of getting a pre-approval, you should have a credit score of at least 600-620, no late payments or delinquencies for at least a year, only 2 hard inquires during the last six months and no recent derogatory items or collections on your credit report. Annual Fee: $0-$72.Nov 13, 2019 · You get 5% back on the first $6,000 per year on fuel purchases, including those at Sam’s Club locations. After $6,000, the fuel cash back drops to 1%. You get 3% back on qualified travel and dining purchases. You earn 1% back on any other purchase. There are no foreign transaction fees or annual fees for this card. Jan 20, 2023 · 3. Go directly to issuer sites. You can also go directly to an issuer’s site to see if you prequalify for a card. More credit card issuers have started offering prequalification tools, where, typically, the issuer will ask you to provide some basic personal information. What's required to apply for the Sam's Credit Card? Must be a current Sam’s Club Member. Must be a U.S. Citizen. Apply in the club or at https://www.samsclub.syf.com . Where can I use my Sam’s Club Credit Card? Use your Sam's Club Mastercard anywhere that Mastercard is accepted. How do I pay my credit card bill? Credit Application Login - Sam's Club. Skip to main content. Skip to footer. Help center.You can check for Synchrony Bank pre-approval online for certain credit cards by visiting the affiliated brand’s website before applying and filling out the required information. Generally, checking for pre-approval will help you assess your approval odds before submitting a credit card application. Just keep in mind that not all Synchrony ...Credit Card. 5 POINTS per $1 at the Camping World and Good Sam family of brands 1. 3 POINTS per $1 at private campgrounds & gas stations 2. 1 POINT per $1 everywhere else Visa® is accepted 2. 6 MONTHS SPECIAL FINANCING on in-store purchases over $299 at the Camping World and Good Sam family of brands 3. 2,000 BONUS POINTS the first time you ... Visit the Home Depot® Credit Card pre-qualification page. Enter your name, email address, phone number, and the last 4 digits of your Social Security number. Click the “Continue’ button and see if you are pre-qualified. To respond to a pre-approved offer in the mail, visit the issuer’s pre-approval page and enter the invitation code ...Sep 1, 2023 · The Ann Taylor Mastercard earns 5 rewards points per dollar spent with Ann Inc. stores. For every 2,000 rewards points or $400 spent online or in-store, you’ll get rewarded with a $20 rewards card (5% back). Your first purchase made outside the Ann Inc. family will also trigger a $20 rewards card. Jun 21, 2021 · Evelyn Boros, Credit Cards Moderator. You can check on your Sam's Club® Credit Card application status over the phone, or by dialing (800) 964-1917. You'll need to provide either your social security number or your application reference number. If the issuer denied your application, there's still some hope left. Apr 9, 2023 · At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ... Chrysler Financing. Santander Consumer USA helps consumers purchase or lease Fiat Chrysler (FCA) products — Chrysler, Dodge, FIAT ®, Jeep ®, Ram, and SRT — through Chrysler Capital with customized vehicle-financing packages, programs, incentives and terms that suit your budget and lifestyle. Get started with Chrysler Capital’s online ...Soft Pull Pre-Qualify - https://www.samsclub.com/content/creditApply for BlockFI - https://tinyurl.com/blockfi-creditplugSign up for M1 Credit Card - https:/... You can check for Synchrony Bank pre-approval online for certain credit cards by visiting the affiliated brand’s website before applying and filling out the required information. Generally, checking for pre-approval will help you assess your approval odds before submitting a credit card application. Just keep in mind that not all Synchrony ...Chrysler Financing. Santander Consumer USA helps consumers purchase or lease Fiat Chrysler (FCA) products — Chrysler, Dodge, FIAT ®, Jeep ®, Ram, and SRT — through Chrysler Capital with customized vehicle-financing packages, programs, incentives and terms that suit your budget and lifestyle. Get started with Chrysler Capital’s online ...Applying made easy: The Sam’s Club Mastercard is now available to apply for in all in-Club and digital channels including: at member services, at the point of sale – including through Scan & Go; on Sam’s Club Mobile App, SamsClub.com, Text-to-Apply, and Self-Checkout enabled with Synchrony’s patent-pending dApply technology, API’s, and the Synch...Jan 10, 2023 · These are the steps to take when you are prequalifying for a personal loan: 1. Check your credit score. Check your credit score before applying to determine which lenders are likely to consider ... At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ...Select ‘My Account’. Select ‘Macy’s Credit Card’. Select the ‘Statements & Recent Activity’ button. In the ‘Download Statements’ section, choose the date and format of the statement you want to view or print, then select the ‘Download’ button. Select the PDF option if you are looking for an image that resembles a ...Credit Application Login - Sam's Club. Skip to main content. Skip to footer. Help center.Sydney Garth, Credit Cards Moderator. You might get a TJX Store Card pre-approval letter if you fit the issuer’s criteria for offering you one. Unfortunately, there’s no other way to check if you pre-qualify for this card. Getting pre-approved is only a soft pull on your credit, but it doesn’t guarantee your actual approval for the TJX ...You can check for Synchrony Bank pre-approval online for certain credit cards by visiting the affiliated brand’s website before applying and filling out the required information. Generally, checking for pre-approval will help you assess your approval odds before submitting a credit card application. Just keep in mind that not all Synchrony ...We would like to show you a description here but the site won’t allow us. Ink Business Preferred® Credit Card. $5,000 minimum with user reports of $100,000. Ink Business Unlimited® Credit Card. $3,000 minimum with user reports of $75,000. The best high limit credit ...No annual fee. Sam’s Cash. No. 2% cash back for qualifying purchases; members can redeem cash rewards for store credit or cash. All members (Club, Plus, and Sam’s Club Mastercard cardholders – not a regular credit card) earn Sam’s Cash on gas, dining, and other purchases. Cashback. 1% at Sam’s Club. 3% at Sam’s Club.The Capital One® Walmart Rewards™ Mastercard can be used for Walmart purchases and anywhere else that Mastercard is accepted. The Walmart Rewards™ Card can only be used for Walmart purchases (Walmart.com, in the Walmart App (s), in stores, and at Walmart and Murphy USA Gas Stations).Sep 6, 2023 · A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends. Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. Raise your credit limit. Jan 5, 2023 · Capital One VentureOne Rewards Credit Card. Finder Rating: 3.5 / 5: ★★★★★. Up to 5x miles. $0. 0% intro for the first 15 months (then 19.99% - 29.99% variable) Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. See rates & fees. Go to site. The best RV loan rate we found was 6.24% from iNet, for borrowers with excellent credit. In the first quarter of 2023, LendingTree customers received an average APR of 9.28% on RV loans across all our partners. Borrowers with credit scores above 720 received slightly lower rates, at an average of 8.45%.Credit Application Login - Sam's Club. Skip to main content. Skip to footer. Help center. Home Depot Consumer Credit Card. The Home Depot Consumer Credit Card * is a store card, meaning it can’t be used outside of Home Depot. The card offers six months of special financing on ...Using an updated version will help protect your accounts and provide a better experience. We’ve signed you out of your account. We’ve enhanced our platform for chase.com. For a better experience, download the Chase app for your iPhone or Android. Or, go to System Requirements from your laptop or desktop.No Interest if paid in full within 12 Months††. No minimum purchase required for Ashley Advantage™ Synchrony purchases. $1200 minimum purchase required for Ashley Advantage™ Great American Finance purchases. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months.Sam’s Club ® Credit Card. Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).*. Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1%.*. Earn 3% back in Sam’s Cash on dining and takeout.*. Earn 1% back in Sam’s Cash on other purchases.*. Written by: Eric Bank. Edited by: Lillian Guevara-Castro. Reviewed by: Ashley Fricker. Updated: August 30, 2023. In this review of pre-approved credit cards by issuer, we describe how to get a credit card with a minimum of fuss. We look at the pre-approval processes of five major card issuers: Capital One, Chase, Discover, American Express, and ...Evelyn Boros, Credit Cards Moderator. You can check on your Sam's Club® Credit Card application status over the phone, or by dialing (800) 964-1917. You'll need to provide either your social security number or your application reference number. If the issuer denied your application, there's still some hope left.
Aug 17, 2023 · Home Depot Consumer Credit Card. The Home Depot Consumer Credit Card * is a store card, meaning it can’t be used outside of Home Depot. The card offers six months of special financing on ... . P ebt ga deposit dates 2022
See if you're pre-approved. Capital One supports 256-bit Transport Layer Security (TLS) technology. This means that when you are on our website, the data transferred between Capital One and you is encrypted and cannot be viewed by any other party. If you’ve submitted this form within the last 2 days, we may provide you with your most recent ...Jun 21, 2021 · Evelyn Boros, Credit Cards Moderator. You can check on your Sam's Club® Credit Card application status over the phone, or by dialing (800) 964-1917. You'll need to provide either your social security number or your application reference number. If the issuer denied your application, there's still some hope left. Sep 6, 2023 · Updated: August 30, 2023. The quartet of Chase prequalify and preapproval credit cards require you to have good or excellent credit to get one. In fact, JPMorgan Chase is known for its rigorous approval standards, so any opportunity you can take to check your winning odds is valuable. Chase Bank can make a prequalified offer or preapproved ... Apr 21, 2023 · Online: You can apply online through the Sam's Club application web page. Next, fill out the application and review the information and the card’s terms and conditions. Then, click submit. In person: Visit one of your local Clubs, fill out an application, and hand it over to a customer service representative for processing. Select ‘My Account’. Select ‘Macy’s Credit Card’. Select the ‘Statements & Recent Activity’ button. In the ‘Download Statements’ section, choose the date and format of the statement you want to view or print, then select the ‘Download’ button. Select the PDF option if you are looking for an image that resembles a ... Pre-approval offers can be delivered by physical mail or email, or provided verbally through a phone call. A pre-approval offer suggests you've passed the first step in the screening process. But remember — you can't actually be approved for the card unless you apply. You may seem like a promising candidate, but the lender will likely want ... At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ...Unlimited Cashback Match. Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. 1 There is no limit to how much we'll match. 0% Intro APR † for 6 months on purchases. Then 18.24% - 27.24% Standard Variable Purchase APR will apply.3. Go directly to issuer sites. You can also go directly to an issuer’s site to see if you prequalify for a card. More credit card issuers have started offering prequalification tools, where, typically, the issuer will ask you to provide some basic personal information.Credit Card. 5 POINTS per $1 at the Camping World and Good Sam family of brands 1. 3 POINTS per $1 at private campgrounds & gas stations 2. 1 POINT per $1 everywhere else Visa® is accepted 2. 6 MONTHS SPECIAL FINANCING on in-store purchases over $299 at the Camping World and Good Sam family of brands 3. 2,000 BONUS POINTS the first time you ...For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods..