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The above rules do not apply in so-called community property states. These are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas and Washington .

Although VISA® and MasterCard® are by far the most popular and widely accepted credit cards worldwide, there are a number of alternatives available to consumers. These require a good amount of investigation before aquiring, however, because rates and terms vary widely depending on the type of charge card.

In recent years, more people than ever before have found themselves deeply in debt with no remedy in sight. For many of those people, filing bankruptsy seems the only answer. In the majority of cases, however, this is not the case. With some careful planning, skilled help and patience, people can repair their credit.

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.

Choice of four card designs Acceptance at more than 24 million locations worldwide Cash access at more than 380,000 ATMs Total Security Protection™ package Zero Liability from unauthorized use of your card3 Auto rental insurance against collision or damage1 Travel accident insurance coverage up to $500,0001 Emergency medical and travel services1 Additional cards at no extra charge

If you are receiving child support or alimony payments, the creditor is obligated to consider these as part of your income. In this case, however, the creditor may legally request information regarding your husband or former husband.

The fees and charges applied to cash advances are not hidden fees. By law, card issuers are required to disclose information about fees and charges associated with all of their services. This information is typically displayed on the back of the solicitation form and on the monthly statements.

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Late payment Q. What happens when my credit card payment is late?

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

Discover® and American Express®: The two most popular alternatives to VISA and MasterCard are the Discover Card and the American Express Card. The former is a product of the Greenwood Trust which is owned by Dean Witter & Co. It does not have the international acceptance of VISA or MasterCard, but it continues to grow in popularity in the United States. Unlike the two most popular card companies, the company does directly issue the Discover Card rather than going through a network of banks. The American Express Card is accepted worldwide but is not as pervasive as VISA or MasterCard for two reasons: firstly, the company is quite exclusive in its acceptance of members and secondly because the fees it charges merchants for the priviledge of accepting its cards leads many establishments not to accept it altogether. But American Express has evolved into a wide ranging and versatile financial services company and offers a growing variety of credit card types, benefits and financial services such as loans and banking.

Closing Date. The last day that transactions are posted on your account for that month.

Annual Fees. Most issuers charge annual membership or participation fees. They often range from $25 to $50, sometimes up to $100; gold or platinum cards often charge up to $75 and sometimes up to several hundred dollars.

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Free Period. Also called a grace period, a free period lets you avoid finance charges by paying your balance in full before the due date. Knowing whether a card gives you a free period is especially important if you plan to pay your account in full each month. Without a free period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. If your card includes a free period, the issuer must mail your bill at least 14 days before the due date so you’ll have enough time to pay.

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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.

Receiving a Credit Card Federal law prohibits issuers from sending you a card you didn’t ask for. However, an issuer can send you a renewal or substitute card without your request. Issuers also may send you an application or a solicitation, or ask you by phone if you want a card — and, if you say yes, they may send you one.

Misrepresent prices and payments for merchandise. You’re not allowed to charge the total amount when you buy merchandise from gold or platinum card catalogues. Instead, you often must pay a cash deposit on each item you charge—an amount usually equal to what the company paid for the product. Only after you pay your deposit can you charge the balance. Also, catalogue prices can be much higher than discount store prices.