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You may choose to divulge information about your spouse if you feel it will add to your credit worthiness, but you are not obligated to do so.

The price of changing limits You might even incur a fee for a jump in your credit limit.

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Citibank, MBNA America and Discover charge $15 late fees to late payers with balances less than $100.

This method gives you until the end of the billing cycle to pay a portion of your balance to avoid the interest charges on that amount. Some creditors exclude prior, unpaid finance charges from the previous balance.

If a marketer assures you that reliable information about you will be reported to credit bureaus, call the bureaus to confirm that the merchant is a member. Unless gold or platinum card merchants are subscribers to credit bureaus, they won’t be able to report information about your credit experience.

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  Cost of cash advances Q. How do cash advances from a credit card work?

  If you decide to dispute a charge: Write to the creditor at the address indicated on your statement for billing inquiries. Include your name, address, account number, and a description of the error. Send your letter soon. It must reach the creditor within 60 days after the first bill containing the error was mailed to you. The creditor must acknowledge your complaint in writing within 30 days of receipt, unless the problem has been resolved. At the latest, the dispute must be resolved within two billing cycles, but not more than 90 days.

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  Help in Choosing Which are the Best Credit Cards

  People with shaky credit can fall prey to shady credit card deals.

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  Apply now for American Express Blue for Business(SM) Card

  In more developed countries, VISA and MasterCard, in particular, will be accepted in many establishments. American Express is much less so and the Discover Card is not accepted outsid the U.S. at all. A number of unscrupulous merchants will attempt to assess a surcharge for credit card purchases. Note that these are not always illegal under the laws of that particular country, but they are forbidden by VISA and MasterCard. As far as these two companies are concerned, you do not have to pay such charges. If you are forced to, make sure to obtain proper wriiten itemization of these charges and request a charge back when you return to the States.

  The following is an example of how to compute the minimum monthly percentage on an account with a balance of $1,000, and minimum monthly payments of $20 and $25: Account balance Minimum monthly payment per statement Calculation Minimum monthly percentage $1,000 $20 $20 divided by $1,000 2.0% $1,000 $25 $25 divided by $1,000 2.5%

  2) Cash advance transactions with regular credit cards involve a relatively large transaction fee. Your debit card allows you to withdraw money from your bank for free in most cases.

  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.

  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.

  Special Delinquency Rates. Some cards with low rates for on-time payments apply a very high APR if you are late a certain number of times in any specified time period. These rates sometimes exceed 20 percent. Information about delinquency rates should be disclosed to you in credit card applications or in solicitations that do not require an application.