Card Credit Education: Make Sense of Your Credit Card's Fine Print

Make sure you read your entire credit card agreement. Proper credit card use starts with knowing some simple facts. Become familiar with your account’s penalties and fees to avoid and save thousands of dollars!

Proper Card Credit Use

Make sure to read everything your credit card company sends to you. By law, a credit card issuer only needs 15 days notice when they change the terms of your account including your cash advance fees and interest rates. Most users do not realize these changes even occur.

Keep all correspondence from your credit card company. Take the time to read everything. Spending a few minutes reading could save you money and help you avoid future credit card debt problems.

Most commonly, the credit card company changes interest rates. Many times credit card companies advertise a low rate, but they inform you it will increase after six months in the small print. Before you send in your application, read the entire form and make sure the rate does not increase after a few months. Credit card education is extremely important!

Understand the fees, charges and penalties associated with your credit card account. Many companies charge high late fees even if the payment arrives one day late. Some credit card companies also charge over-limit fees, inactivity fees, annual credit card use fees and penalties for paying off a balance. Get the credit card help and credit card education you need from MyUSADebt. 

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