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Agreement. Your card issuer will send you a cardholder agreement that describes the terms that apply to your card, including the interest rate charged, method of calculating interest and any transaction fees.

A trap that trips consumers This is where most consumers get tripped up, says Gerri Detweiler, author of The Ultimate Credit Handbook. Any time you get a notification from a credit card company, you have to pay attention to it. Card contracts require constant monitoring because they can be amended quickly and frequently. A card issuer is required to give only 15 days notice of a change in terms.

Here are some suggestions for maintaining good credit after the credit repair period is over: Live within your means. Do not return to the bad financial habits that resulted in credit problems the first time. Create a budget. Know where all your money is going. Small purchases can add up and make it difficult to meet important obligations. Keep records of all money spent for one month. This detailed record will show where spending cuts need to be made. It will also alert you to any spending problems. Plan for financial emergencies by depositing a fixed amount of income to a special emergency account. Do this as if paying another monthly bill. This money will insure that emergencies such as illness or loss of job do not catch you totally unprepared. Try to accumulate enough in the fund to pay bills for at least six months. Finally, make a conscious effort to be money smart. This will be a lifelong task but will eliminate the chance of falling back into the bad credit trap of the past.

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Continue to make timely payments on all your bills. To build a credit history, you need credit in your own name. After reviewing your credit report, you should apply for one credit card.

How do credit card companies figure the minimum monthly payment?

A number of credit card issuing banks will charge a currency convertion fee for purchases overseas. Since not all of them do this, it is worth your time to find a company which does not charge such a fee when you shop for a card. The currency convertion fee may be 1 or 2 percent of the amount charged. In countries where the dollar is particularly powerful, this tends not to be significant, in the big picture. In other nations, it can be a worthwhile consideration.

A counselor at a credit counseling agency will take all the information concerning your financial situation, evaluate it and decide the best strategy to use in solving your problem. You will be asked to abide by certain rules while receiving services. These rules may include closing charge accounts and canceling credit cards or paying your bills through the agency. It is to your advantage to abide by the rules as these agencies are perfectly safe. They are non-profit and will not ask you to pay for their services. Although the repayment period may be long, do not accept offers of credit while receiving services from these organizations since this will only delay the process and could possibly result in you being refused further services.

The best bet for consumers is to pay credit card bills on time every month. These tips will show you how.

$1,000 credit card balance 19 percent APR 2 percent minimum payment Monthly payments Time to pay off debt* Total interest you will pay* Minimum (Starts at $20 and goes down a little each month) 22 years $2,400 Fixed $20 8 years $1,000 Fixed $30 4 years $450 Fixed $40 3 years $300 *years and amounts have been rounded-off for illustration purposes

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But before you do, understand fully what each little online offer means. An online credit card bill payment may actually take longer, or cost more, than a snail mail payment for example.

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

If you’re looking for credit, be wary of some gold or platinum card offers promising to get you credit cards or improve your credit rating.

Finance Charges: The term sounds confusing, but this is actually the most obvious of the charges on a credit card account. It is the interest charge on your account balance based on the fixed annual rate.

How many credit cards should I have?

Receiving a Credit Card Federal law prohibits issuers from sending you a card you didn’t ask for. However, an issuer can send you a renewal or substitute card without your request. Issuers also may send you an application or a solicitation, or ask you by phone if you want a card — and, if you say yes, they may send you one.

One of the first things the issuer will do is pull a copy of your credit report. Issuers take a close look at your credit history to determine whether to take the risk of giving you a credit line.

To help avoid finance charges, follow the issuer’s mailing instructions. Payments sent to the wrong address could delay crediting your account for up to five days. If you misplace your payment envelope, look for the payment address on your billing statement or call the issuer.

Normal Interest Rate Once the introductory period is over you will revert to their usual interest rate. The Annual Percentage Rate (or APR) can vary enormously so make sure you check this.

Definitions • Credit card terms How do I ...? • Find a better credit card? Calculate • Get a personalized credit-health assessment • Calculate the real cost of your debt • What will it take to pay off your credit card? • The true cost of paying the minimum More

If you don’t understand how your balance is calculated, ask your card issuer. An explanation must also appear on your billing statements.