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

Bank of America® Visa® Platinum 8.9% Fixed APR for Balance Transfers

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Another good strategy is to pay the bill as soon as it arrives, even if you can only make the minimum payment. Giving your issuer the 2 percent minimum payment it wants ASAP is a great way to guard against late fees.

Cardholder Protections Federal law protects your use of credit cards.

Check out our other credit card basics story and these questions will be seen in context. Find out: Is there an introductory rate, what is it and how long does it last? After that, what will my rate be? Is there an application fee? Are there processing fees? Is there an annual fee? Is there a late fee? Is there an over-the-limit fee? Are there any other fees, like account termination fees or balance transfer fees? When and how can a variable rate be changed? When and how can a fixed rate be changed? What is the grace period before interest is applied? How will you inform me of any changes in my contract? Will the company inform me if I am about to go over my limit? If I go over my limit, what happens? What is the company policy if I have trouble paying my bill? Related Stories: 10 questions to ask before getting a secured credit card Read that tiny type in your credit card agreement Step slowly onto the balance-transfer bandwagon

And you can always send a bigger payment later on when you have more cash.

Do a little comparison-shopping and you might find a card with the same rate for at least a year or another card with the same deal but no annual fee.

You can also take your balance at a card company charging you a high interest rate and transfer it to another company with a lower rate.

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

1 Certain exclusions, restrictions and limitations apply. Details available when you become a cardmember. 2 See Terms and Conditions for details. 3 When you notify Bank of America promptly that your card has been lost or stolen.

Many parents are concerned whether they should co-sign their children on their credit card account. Parents are afraid that their children will go on spending sprees. But they no longer have to be wary about this problem. There is an alternative to credit cards called the debit card.

Store Cards These are credit cards offered by shops, such as Marks and Spenser. These are usually not as competative as other cards available and so are not generally recommended.

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4) There are some protections afforded to consumers who use check cards if your card is stolen. These are not as comprehensive as the laws which protect against credit card fraud. For more on these protections, see Lost or Stolen Credit Cards. In order not to be liable for more than $500.00 if your check card is stolen, you must notify the issuing bank within sixty days of being mailed information noting the fraudulent transaction. An example of such notification is your monthly bank statement.

Are there laws capping credit card interest rates?

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

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Is there an introductory rate, what is it and how long does it last? After that, what will my rate be?

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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Paying only the minimum will cost you an exorbitant amount of money in interest and take forever to pay off. For example, if your credit card has a $5000 balance with 15 percent interest rate, it will take you 21 years and five months to be rid of your debt if you only pay the minimum. In that time, you will pay $4,757.98 in interest.