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Investigate an offer before enrolling. Contact your local Better Business Bureau, consumer protection agency, or state Attorney General’s office to see if any complaints have been filed against a particular promoter of gold or platinum cards.

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Such gold and platinum credit-card offers usually are promoted through television or newspaper advertisements, direct mail, or telephone solicitations using automatic dialing machines and recorded messages. People with low incomes often are the target of these sales pitches.

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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.

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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Minimum monthly payment Q. How do credit card companies figure the minimum monthly payment?

Charge Cards These provide an account against which you make withdrawls. They are expected to be paid off in full each month, otherwise there can be substantial charges. Examples of charge chards are Diners Club and American Express.

A lot of card companies have Web sites that let you do a lot of administration with digital ease. You can look at your statements, pay bills, talk to company problems solvers, download your information into your own computer and even download pre-prepared tax numbers.

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Are there laws capping credit card interest rates?

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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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Is there an annual fee? Is there a late fee? Is there an over-the-limit fee?

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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.

You may use either your married name or your maiden name or both when applying for credit.

Financial institutions are offering a complete line of credit cards with fantastic features and a wide variety of options. Some credit cards offer low interest rates where other’s offer benefits such as insurance coverage for travel and cash advances. An American Express credit card offers many features and options for the cardholder. Some of the most popular are, online fraud protection, the Membership Rewards program, and Buyer’s Assurance just to name a few. As an American Express credit card holder your membership allows you to access your account online. You can check and pay your bill, and view your up-to-date billing information. American Express also offer their Extended Payment option, where you can pay your balance in full or carry a balance, which ever suits your needs. This is just a small sample of all the options an American Express credit card membership provides.

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.

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.