ABOUT CREDITCARDS
A Guide to Credit, Creditcards and Credit Card Offers


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Chances are you have received credit card offers in the mail asking if you would like to open credit card accounts. Frequently, these offers say that you have been "pre-approved" for the card, with a line of credit already set aside for your use.

Typically, these offers urge you to accept quickly, "before the offer expires." However, before accepting a credit card offer, understand the card's credit terms and compare costs of similar cards to get the features and terms you want.


Choosing a Credit Card


Credit card offers may seem attractive, but remember a credit card is a form of borrowing that usually involves a "finance charge" -- a charge for the convenience of borrowing -- and often other charges as well.


Shop around for credit card terms that are best for you.

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CreditCards.com and CreditCard.com points to a website where you can compare credit cards.


Make sure you understand the terms of a credit card plan before you accept the card. Review the disclosures of terms and fees that must appear on credit-card offers you receive in the mail.


Pay bills promptly to keep finance charges as low as possible.


Keep copies of sales slips and promptly compare charges when your bills arrive.


Protect your credit cards and account numbers to prevent unauthorized use. Draw a line through blank spaces above the total when you sign receipts. Rip up or retain carbons.


Keep a list of your credit card numbers and the telephone numbers of each card issuer in a safe place in case your cards are lost or stolen.



Before selecting a credit card, learn which credit terms and conditions apply. Each affects the overall cost of the credit you will be using. Under the Fair Credit and Charge Card Disclosure Act, you can compare terms and fees before you agree to open a credit card or charge card (no interest) account. Be sure to consider and compare the following terms that direct-mail applications and pre-approved solicitations must reveal.


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