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Fair Credit Billing Act. This federal act protects many credit rights, including your rights to dispute billing errors, unauthorized use of your account, and charges for unsatisfactory goods and services.

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Adjusted Balance. This is usually the most advantageous method for card holders. Your balance is determined by subtracting payments or credits received during the current billing period from the balance at the end of the previous billing period. Purchases made during the billing period aren’t included.

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.

Some card companies on the Net offer you the chance of going completely paperless. It can be convenient, but there are those experts who argue that having a paper record may be a very good thing if you get into a dispute with your card company.

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Previous Balance. This is the amount you owed at the end of the previous billing period. Payments, credits and new purchases during the current billing period are not included. Some creditors also exclude unpaid finance charges.

The card issuer also must disclose the periodic rate — the rate applied to your outstanding balance to figure the finance charge for each billing period.

If you applied for a loan and were turned down, you are entitled to a free copy of your credit report, but you must request a copy by writing the correct credit bureau within 30 days of the rejection. With your request, you should include a copy of the declined loan application.

Advantages and Disadvantages of Using Credit Cards.

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.

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

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Transaction Fees:

Charge Card. One major difference between credit card and charge card is that charge card must be paid in full every month. An example of a charge card is American Express card.