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Additionally, women need to ensure that their credit histories are kept updated whenever their names or accounts with particular creditors are altered due to changes in their marital status. In a number of specific circumstances in many countries, travelers will find their credit cards indispensable when traveling overseas. However, a degree of caution and some dilligence in doing ones homework is in order before ever taking the trip. The major advantage of using credit cards overseas is protection from fraud. The Fair Credit Billing Act not only protects you from having to pay for bad merchandise inside the United States, it protects you when you make these purchases overseas as well. The condition is that the issuing bank must be a U.S. bank and you must be a permanent resident of the United States. This is one of the reasons why many credit card companies and their issuing banks will not issue cards to customers outside this country. American Express is an exception. Of critical importance here is proper maintaining of written records and documents. When buyong expensive items overseas such as jewelry and gifts, one should obtain a precise description of the intended purchase either in handwritten form from the merchant or clearly on the transaction slip. This will be of great value in case you wish to obtain a chargeback for fraud. UK Credit Cards - Apply Onlinestudent credit card apply online Citibank, MBNA America and Discover charge $15 late fees to late payers with balances less than $100. Grace periods -- This is the amount of time you have to pay off balances without incurring interest charges. Savvy card users take advantage of it and save money. 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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 How do I transfer a balance?Apply now for American Express Blue for Business(SM) Card Because most major credit card companies are based in states with liberal or no usury laws, the sky is pretty much the limit with interest rates and late fees. Cardholder Protections Federal law protects your use of credit cards. You’ll probably also want to consider if the credit limit is high enough, how widely the card is accepted, and the plan’s services and features. For example, you may be interested in affinity cards — all-purpose credit cards sponsored by professional organizations, college alumni associations and some members of the travel industry. An affinity card issuer often donates a portion of the annual fees or charges to the sponsoring organization, or qualifies you for free travel or other bonuses. 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