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Credit Card. Unlike charge cards, credit cards allow you to revolve your charges. A credit card allows you to make partial payments for purchases, but charges interest on the amount owed. You can also pay your balance off in full to avoid interest payments. Banks and other card issuers set interest rates and fees. To protect your credit rating, be sure to pay at least the minimum amount due by the payment due date.

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.

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What happens when my credit card payment is late?

Two-cycle Balances. Issuers sometimes use various methods to calculate your balance that make use of your last two month’s account activity. Read your agreement carefully to find out if your issuer uses this approach and, if so, what specific two-cycle method is used.

Customers who carry their cards overseas need to watch out for add-ons of up to 3 percent on foreign purchases.

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.

Minimum monthly payment Q. How do credit card companies figure the minimum monthly payment?

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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.

If you are one of the few people that pay their credit card balance in full each month credit card rewards are perfect for you. Since you are paying your balance in full, a low interest credit card does not benefit you. Credit card issuers have credit card rewards programs designed specifically to attract the business of individuals who manage to pay off their balances every month. Reward credit cards can be further categorized into the benefits they offer. Some offer airline miles, cash back or other discounts on merchandise. If you are having difficulty choosing which credit card rewards best suit you, take a moment to think about your lifestyle. If you are like me and have young children, a rewards credit card offering cash back is the best choice. Those who do not have children may be more inclined to travel and airline miles may be best for you. No matter what your life situation, you will find a wide selection of reward credit cards to best fill your unique needs.

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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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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?

Be cautious about calling ‘900’ or ‘976’ telephone numbers. Calls to numbers with ‘900’ or ‘976’ prefixes cost money. Don’t confuse these exchanges with toll-free ‘800’ or ‘888’ numbers. If you dial a pay-per-call number mistakenly, contact your local phone company immediately. They may be able to remove the charge from your bill.

Average Daily Balance Method. This is one of the most common computation methods that credit card issuers use to calculate account balance. To figure the balance due, the issuer totals the beginning balance for each day in the billing period and subtracts any credits made to your account that day. While new purchases may or may not be added to the balance, depending on your plan, cash advances typically are included. The resulting daily balances are added for the billing cycle. The total is then divided by the number of days in the billing period to get the average daily balance.

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Balance Computation Method for the Finance Charge. If you don’t have a free period, or if you expect to pay for purchases over time, it’s important to know what method the issuer uses to calculate your finance charge. This can make a big difference in how much of a finance charge you’ll pay — even if the APR and your buying patterns remain relatively constant. See page 10 for examples of how the methods can affect your costs.

What happens if my credit card is stolen?

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.

What should I do if someone opens a credit card in my name?

Low interest credit cards are best suited for those people who tend to carry a balance on their credit card every month. The savings offered by low interest credit cards can outweigh the benefits of a rewards credit card. You should consider a low interest credit card if your balance is more than a few hundred dollars as you will save a substantial amount on interest charges. You will find that the credit card industry is very competitive and there are several financial institutions competing for your business and because of this competition some credit card issuers will offer low interest credit cards with introductory rates as low as 0%.

Performance (or Risk Based) APR. It is similar to a variable APR but it is based on your payment performance. APR may go up because of a late payment or late payments; conversely, it may go back to the standard APR if you send your payments on time for a certain period of time (typically one year).

Almost all credit card lenders reserve the right to change your interest rate for any reason whatsoever, says Klein. This can be a nasty surprise for a consumer that accepted a card because it is advertised at a low rate.