Companies such as VISA have 35,000 banks worldwide which issue their cards. After six months, the rate then goes up to the regular higher rate. MBNA America, which issues both Mastercard and VISA, offers Credit Card Access Checks to enable its customers to consolidate higher interest credit card balances, to purchase items such as computers for a limited time 6.9 percent interest rate for six months. The rate then goes up to 18.9 percent. When shopping for credit cards, Daniel Helfman from the National Consumers League, recommends shopping around.
Many companies offer various different special offers to entice applicants.
The American Express Card for Students has up to 30 minutes of free MCI long distance calling, and discounted fares on Continental Airlines. Helfman recommends looking for one with no annual fee and the options to suit personal needs. When students are solicited for credit cards they do not want, they can request that they be taken off the mailing or calling list. According to the Federal Trade Commission, it is illegal for a telemarketer to call if a customer has asked not to be called. This can be reported to the state Attorney General.