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How to deal with a debt collector -- The law restricts how much they can harass you. PLUS: When the collection agency is wrong Why college students might need a credit card -- Not having a credit history can make post-college life more complicated and more expensive

Credit Counseling. Advice given by professional counselors to people about how to use credit responsibly and how to get out of serious debt.

The same principle applies to credit card late fees. In Smiley vs. Citibank in 1996, the Supreme Court gave national banks free rein on credit card fees as well.

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They have a higher interest rate than regular card charges. They carry no grace period; interest charges begin to mount as soon as the money spits out of the ATM. Many issuers also require you to pay down the balances for purchases before you pay down the higher-interest cash advance balance.

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If a marketer promises that a card is accepted at certain retail chains, verify it with the stores.

Discover® and American Express®: The two most popular alternatives to VISA and MasterCard are the Discover Card and the American Express Card. The former is a product of the Greenwood Trust which is owned by Dean Witter & Co. It does not have the international acceptance of VISA or MasterCard, but it continues to grow in popularity in the United States. Unlike the two most popular card companies, the company does directly issue the Discover Card rather than going through a network of banks. The American Express Card is accepted worldwide but is not as pervasive as VISA or MasterCard for two reasons: firstly, the company is quite exclusive in its acceptance of members and secondly because the fees it charges merchants for the priviledge of accepting its cards leads many establishments not to accept it altogether. But American Express has evolved into a wide ranging and versatile financial services company and offers a growing variety of credit card types, benefits and financial services such as loans and banking.

Co-signer. A parent or any person over 18 years old who agrees to share credit responsibilities and pay debts.

Other card companies refuse to cut low-balance customers any slack on late fees.

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Is there an introductory rate, what is it and how long does it last? After that, what will my rate be?

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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.

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.

Gold or Platinum These are usually for the higher earners, offering higher credit limits and other benefits. They are sometimes thought of as a status symbol.

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.

Read that tiny type in your credit card agreement Folks who casually toss away those apparently extraneous papers that come with their credit card bill are probably throwing away money, too.

Late Payment Fees:

Cards may come with either a fixed rate or a variable rate of interest.