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The fees and charges applied to cash advances are not hidden fees. By law, card issuers are required to disclose information about fees and charges associated with all of their services. This information is typically displayed on the back of the solicitation form and on the monthly statements.

These are particularly common with credit cards designed for consumers with poor credit. They are charged in addition to the annual fee. In many cases, consumers end up paying well over a hundred dollars in initial and membership fees simply to obtain these cards. It is much more sensible simply to opt for a secured credit card if you have poor credit. The initial amount deposited will have to be at least $200.00, but it is refundable and you earn interest on it.

Performance (or Risk Based) APR. It is similar to a variable APR but it is based on your payment performance. APR may go up because of a late payment or late payments; conversely, it may go back to the standard APR if you send your payments on time for a certain period of time (typically one year).

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Amount Due. The minimum monthly payment you must make.

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Due Date. The day a payment is due to a creditor.

Late payment Q. What happens when my credit card payment is late?

Credit Report. This is record of your credit history usually use to help creditors judge your creditworthiness. It shows whether you pay your bills on time, how much debt you have, etc. Your report is compiled by credit bureaus and released to lenders and others. It is important to check your credit reports regularly to catch possible human errors and prevent credit frauds.

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.

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have made the purchase in your home state or within 100 miles of your current billing address. The charge must be for more than $50. (These limitations don’t apply if the seller also is the card issuer or if a special business relationship exists between the seller and the card issuer.) and, first make a good faith effort to resolve the dispute with the seller. No special procedures are required to do so. If these conditions don’t apply, you may want to consider filing an action in small claims court.

Many consumers are unaware that every time they use their credit cards to withdraw cash, extra fees kick in: Cash advances carry an upfront fee of 2 percent to 4 percent of the amount advanced.

A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost. So it’s wise to compare terms and fees before you agree to open a credit or charge card account. The following are some important terms to consider that generally must be disclosed in credit card applications or in solicitations that require no application. You also may want to ask about these terms when you’re shopping for a card.

Two-cycle Balances. Issuers sometimes use various methods to calculate your balance that make use of your last two month’s account activity. Read your agreement carefully to find out if your issuer uses this approach and, if so, what specific two-cycle method is used.