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Errors on Your Bill. Issuers must follow rules for promptly correcting billing errors. You’ll get a statement outlining these rules when you open an account and at least once a year. In fact, many issuers include a summary of these rights on your bills.

Principal. Principal reflects the actual dollar amount of the purchases you made, or the balance that remains on your loan or credit card account.

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There may also be a number of feature, benefits and perks that will come with your free credit card application offer. These will vary from offer to offer but the unique difference may be important to you in your decision.

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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Annual Percentage Rate. The APR is a measure of the cost of credit, expressed as a yearly rate. It also must be disclosed before you become obligated on the account and on your account statements.

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 a marketer promises that a card is accepted at certain retail chains, verify it with the stores.

Not only can you find card deals on the Web, sign up for them and have your card in the mail to you the same day, you can also take care of card business online.

Debit Card. A debit card deducts the amount of your purchase directly from your checking account.

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?

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.

Co-Branded Card. A co-branded credit card is sponsored by both the issuing bank and a retail organization such as a department store or an airline. Cardholders may get benefits such as discounts or free merchandise from the sponsoring merchant based on account usage and terms.

A lot of card companies have Web sites that let you do a lot of administration with digital ease. You can look at your statements, pay bills, talk to company problems solvers, download your information into your own computer and even download pre-prepared tax numbers.

Variable APR. Variable APR (expressed in yearly terms) fluctuates based on an index such as the Prime Rate or LIBOR.

Financial institutions are offering a complete line of credit cards with fantastic features and a wide variety of options. Some credit cards offer low interest rates where other’s offer benefits such as insurance coverage for travel and cash advances. An American Express credit card offers many features and options for the cardholder. Some of the most popular are, online fraud protection, the Membership Rewards program, and Buyer’s Assurance just to name a few. As an American Express credit card holder your membership allows you to access your account online. You can check and pay your bill, and view your up-to-date billing information. American Express also offer their Extended Payment option, where you can pay your balance in full or carry a balance, which ever suits your needs. This is just a small sample of all the options an American Express credit card membership provides.

Debts on joint accounts Q. How do I keep my ex from running up credit card debts on a joint account?

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