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Do a little comparison-shopping and you might find a card with the same rate for at least a year or another card with the same deal but no annual fee.

Credit card terms you need to know -- Understanding the fine print can save you big bucks.

Help in Choosing Which are the Best Credit Cards

Even with joint accounts, one person is considered to be the primary account holder. The account will stay open as long as there is a balance on the account.

Balance Computation Method for the Finance Charge. If you don’t have a free period, or if you expect to pay for purchases over time, it’s important to know what method the issuer uses to calculate your finance charge. This can make a big difference in how much of a finance charge you’ll pay — even if the APR and your buying patterns remain relatively constant. See page 10 for examples of how the methods can affect your costs.

In 1978, the Supreme Court ruled that a national bank could charge the highest interest rate allowed in their home state to customers living anywhere in the United States, including states with restrictive interest caps.

Business Card (Business Credit Card). These credit cards are generally issued to corporate executives or business owners so that they can keep business expenses separate from personal charges more easily.

Understand key numbers before you sign: What is the APR, annual fee, grace period, penalties, late payment charges, over-the-limit fees, and interest rates on any cash advances, and under what circumstances the card company can change your interest rate (or any other terms of the deal)?

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Credit card customers with big balances are far less lucky. Late payers with balances greater than $1,000 get socked with $35 fees -- the highest late fee on the market to date. Customers with balances between $100 and $1,000 face $25 late fees for tardy payments.

1 Certain exclusions, restrictions and limitations apply. Details available when you become a cardmember. 2 See Terms and Conditions for details. 3 When you notify Bank of America promptly that your card has been lost or stolen.

Looking for a better credit card? Check rates in your area.

What type of credit card? There are various types of credit card, other than standard cards, that you may want to choose between.

To hang on to the credit card business, many other states loosened state usury limits.

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How do I dispute a credit card purchase?

Many parents are concerned whether they should co-sign their children on their credit card account. Parents are afraid that their children will go on spending sprees. But they no longer have to be wary about this problem. There is an alternative to credit cards called the debit card.

Annual Fees. Most issuers charge annual membership or participation fees. They often range from $25 to $50, sometimes up to $100; gold or platinum cards often charge up to $75 and sometimes up to several hundred dollars.

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Introductory Rate To attract new customers many credit card companies are offering attractive, low rates for several months after you join. Capital One UK offer a 0% rate for the first 6 months on new purchases.

Customers who carry their cards overseas need to watch out for add-ons of up to 3 percent on foreign purchases.

One common problem with using your credit card overseas is knowing how close you are to your credit limit. Since prices are in foreign currency, it is not always easy to keep track of the real amount of your expenditures. Proper record keeping and attention is important if you feel you might run the risk of overspending. This is not a problem with American Express since there is no fixed credit limit, but for VISA and MasterCard, caution is necessary. One advantage to using your card overseas, however is the time it takes for your charges to be reported and to appear on your account. The period between your purchase and the date when your bank registers the charge is effectively a grace period on your account.