British Airways Visa® Signature Card

• 15,000 Bonus BA Miles after First Purchase


• $20 off Any British Airways Ticket Purchase Made Using the Card at www.britishairways.com/get20


• 2 BA Miles for Every $1 Spent on British Airways Purchases


• 1 BA Mile for Every $1 Spent on All Other Purchases


• No Limit To the BA Miles


• No pre-set spending limit


• 24-hour concierge service


• 100% protection against unauthorized use — even online


• Visa Signature privileges

Use Your Cards with Care to Protect Credit Rating

Using credit wisely means:

• Paying your bills promptly


• Keeping a list of all your account numbers in case cards are lost or stolen


• Controlling your spending


• Paying more than the minimum amount due


• Keeping copies of your receipts and checking them against your monthly bill


• Guarding against card fraud and identity theft by cutting up your old cards and shredding statements and unwanted credit card offers

Choose a Card According to Your Payment Habits

Different cards fit different needs. Some charge lower interest rates but may carry a monthly fee. These would be a good choice if you tend to carry a balance (the savings you get from the lower interest rate may exceed the annual fee).
Other cards charge higher interest rates but don't impose an annual fee. These would be a better choice if you pay off your balance every month (if you don't carry a balance, you're not affected by the interest rate).

Can You spend as much as You want?

Your credit limit is the maximum you are allowed to charge on your card, and is based on your credit history and financial background. If your balance exceeds your credit limit, you'll be assessed an extra fee each month until you pay off enough of your balance to bring it back down below the limit.

To manage credit successfully, you need to make the distinction between the credit limit and the amount of credit you can afford. Just because the credit card issuer grants you a thousand-dollar limit doesn't mean you can afford it or should use it.

Your Credit Limit Is What You Can Spend, Not What You Should Spend.

Don't Be Surprised by the Costs of Credit

Any credit card that allows a balance to be carried from month to month has an annual percentage rate (APR). The APR is a measure of the total yearly cost of credit (interest plus other charges). The periodic rate is the rate applied to your account balance to determine your finance charge for each billing period.

Many cards also charge an annual membership fee that can range from $25 to $50, or more for gold, platinum and other "premium" cards. Some cards advertise no annual fee or the first year, and you may find a hefty fee added to your bill when that year is up.
Still other cards don't charge a fee if the card is used a certain number of times during a given time period, usually a year, or if a certain dollar amount is charged to the card.

Use credit cards only for convenience, never for credit.