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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.

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.

Prior to bankruptcy the hospital was offered by the court the same amount I was willing to continue paying until settling the debt and they said this was acceptable. (However, when I offered it, it was unacceptable.) My credit friends suggested bankruptcy, telling me that afterwards it should be simple for me to obtain credit. Again common Wisdom was wrong. Oh, I got a lot of offers from car dealers to buy a car, but once I attempted with a job of four years and no other credit problems to obtain a card (to buy via the Internet) I got nothing but refusals because I had NO CREDIT history, save for a Visa debit card.

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Many credit card companies are now charging late payment fees of up to $25.00. The amount of grace period time you have from the payment due date until this fee is assessed varies from issuer to issuer. Since the date refers to the day of receipt of your check and not the date of postage, consumers who cut things close to deadline dates leave themselves open to such charges. What can be insidious about such fees is that some banks and credit card companies tag add these fee amounts to your outstanding balance and then charge you interest fees on the full amount.

Annual Fees. Some card issuers may charge you a yearly fee in addition to the interest that accumulates when you make purchases

Cash Advance. You can use your card at a bank or an automatic teller machine to get a cash loan. The interest rate for a cash advance is typically higher than it is for purchases, and there is usually no grace period. There can also be a handling fee for withdrawing cash in addition to the interest charges, which can raise the cost significantly.

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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.

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Introductory Rate To attract new customers many credit card companies are offering attractive, low rates for several months after you join. Capital One UK offer a 0% rate for the first 6 months on new purchases.

Laws capping interest rates Q. Are there laws capping credit card interest rates?

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Discover® Platinum Card Apply for a special No-Annual-Fee Discover® Platinum Card with all of these privileges: 0% Intro APR*, No Annual Fee, Up to 2% Cashback Bonus® award*, 100% Fraud Protection, Up to $50,000 Credit Limit, and Online Account access and bill payment. * Click here to see important information about the APR, fees, and other Important Information

When you review an agreement, focus on overall cost. Here are some features that should be scrutinized. Interest rates -- A super-low rate for six months will be advertised in bold, colorful print. But you have to put your glasses on to find out this teaser rate takes a hard vertical turn when the introductory period is over, or that the low rate applies only to balances you have transferred from other cards. Even a rate advertised as fixed can be increased.

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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Travel and Entertainment Cards: T&E cards includeDiners Club® and American Express®. They differ from regular credit cards in that they require that customers pay their outstanding balances each month. They also tend to have high annual fees and to be accepted in far fewer places than credit cards from VISA, MasterCard and Discover. Because of their exclusivity, however, T&E cardholders usually obtain special benefits and incentives from card issuers. Holders may accrue points through airline travel, hotel stays and other business and entertainment expenses which are converted into cash or discounts. One advantage of such cards is the absence of a set spending limit. As long as a customer does not attempt charges which are clearly unpayable, there is no problem since the issuing company knows the amount will be repaid over the next payment cycle. Part of the appeal of these cards is the vanity factor which comes with the prestige of owning them. At the other end of the scale, gas cards are a form of Travel and Entertainment cards and are much easier to obtain.

Convenience Checks. These come from credit-card issuers. You use these checks to pay off the debt you have on other cards, which transfers your debt to the card that gave you the check. The typical inducement? A special low rate. But that rate may last only a few months. If you pay late or exceed your spending limit, some cards are imposing interest-rate penalties as high as 24.9 percent, says Ruth Susswein, executive director of Bankcard Holders of America. Check the fine print before accepting any low-rate offer.

The Annual Fee:

While they sound like general-purpose credit cards, some gold or platinum cards permit you to buy merchandise only from specialized catalogues. Marketers of these credit cards often promise that by participating in their credit programs, you will be able to get major credit cards (such as an unsecured Visa or MasterCard), lines of credit from national specialty and department stores, better credit reports, and other financial benefits.

How many times have you received your bill and have an APR of 12% and then get another letter in the mail saying, apply today for 6% APR for 6 months or better yet 0%. I was tired of feeling cheated so I called up my credit card company after months and months of wondering what I could do to bring down my payments.