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Credit Limit. The maximum amount you may charge on a credit card. Under some circumstances, your card issuer may increase or decrease your credit line.

How do I dispute a credit card purchase?

Fixed APR. A fixed APR does not change based on changes in an index.

Store Cards These are credit cards offered by shops, such as Marks and Spenser. These are usually not as competative as other cards available and so are not generally recommended.

Transaction Fees and Other Charges. A card may include other costs. Some issuers charge a fee if you use the card to get a cash advance, make a late payment, or exceed your credit limit. Some charge a monthly fee whether or not you use the card.

How do credit card companies figure the minimum monthly payment?

So why not apply for a visa today and give yourself that extra bit of financial freedom. It is recommended that every person have a credit card for these purposes, and a free credit card company can provide this for you. Just be careful how you use your card as to not go into debt where you are unable to pay it off.

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.

Buried deep among the colorful fliers advertising executive planners and calculators is information that may be more important to your bottom line than the Amount Due box. The clue to finding it? Look for the small print.

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.

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Expensive advances

Cash Advance Charges:

This method gives you until the end of the billing cycle to pay a portion of your balance to avoid the interest charges on that amount. Some creditors exclude prior, unpaid finance charges from the previous balance.

Free Period. Also called a grace period, a free period lets you avoid finance charges by paying your balance in full before the due date. Knowing whether a card gives you a free period is especially important if you plan to pay your account in full each month. Without a free period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. If your card includes a free period, the issuer must mail your bill at least 14 days before the due date so you’ll have enough time to pay.

The above rules do not apply in so-called community property states. These are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas and Washington .

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Refunds of Credit Balances. When you make a return or pay more than the total balance at present, you can keep the credit on your account or write your issuer for a refund — if it’s more than a dollar. A refund must be issued within seven business days of receiving your request. If a credit stays on your account for more than six months, the issuer must make a good faith effort to send you a refund.

A pre-paid reloadable card for teens The new way to pay that offers teens the convenience of a card while helping them learn how to manage their money.

Obligations of Creditors: The Equal Credit Opportunity Act means the following: