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Past Due. When you do not make at least the minimum payment on time, your account is considered past due.

You can definitely save money because if you find the terms are not favorable you can shop around for a better deal, says Detweiler. Check the Bankrate credit card rate tables to find the best credit card for your financial situation.

Unauthorized Charges. If your card is used without your permission, you can be held responsible for up to $50 per card.

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.

Annual Percentage Rate. The APR is a measure of the cost of credit, expressed as a yearly rate. It also must be disclosed before you become obligated on the account and on your account statements.

The first step toward repairing credit is to find out exactly what is owed and to whom. Current copies of credit reports should be obtained from all the major credit bureaus. Free copies of these reports are available if credit has been denied recently, usually within thirty to sixty days. If any inaccurate information is shown on any any of the reports, this information should be disputed. This action may be initiated by telephone but it is better to do this in writing for documentation. Credit bureaus must investigate disputes promptly, normally within thirty ydays. If this time passes and no correspondence or other communication is received, the credit bureau should be contacted again, both by telephone and in writing.

In Kids, Cash, Plastic and You, prepared for parents by MasterCard and the U.S. Office of Consumer Affairs, all it says about credit-card bills is that repayment can be made in installments, over many months or even years. Nowhere does it hint that you can (and should) pay every bill in full. A MasterCard spokesperson insists that, taken as a whole, the booklet gives people a full understanding of how interest works.

Prompt Credit for Payment. An issuer must credit your account the day payment is received. The exceptions are if the payment is not made according to the creditor’s requirements, or the delay in crediting your account won’t result in a charge.

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

Monthly Statement. Each billing cycle (usually once per month) your card issuer will send you a bill. The bill will detail the activity on your account for that billing cycle.

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If you were to pick one key rule to follow when shopping for credit cards, that rule would be: Think credit first.

Most major credit card issuers are based in states without usury laws and without interest rate caps on credit cards. Banks and credit card issuers based in these states can charge any interest rate they wish -- as long as the rate is listed in the cardholder agreement and the borrower agrees.

You can request a copy from each of the three major national credit bureaus: Equifax, Experian and TransUnion. Checking your credit can cost you as much as $9 per report, although it differs from state to state.

How many credit cards should I have?

Think twice about any offer to get easy credit. Be skeptical of promises to erase bad credit or to secure major credit cards regardless of your past credit problems. There are no easy solutions to a poor credit rating that’s based on accurate information. Only time and good credit habits will restore your credit worthiness.

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.

Comparing Interest rates If you do not intend to pay off your credit card bill in full each month you will need to consider the interest rates the various credit cards charge. Below are some important points to consider:

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