Credit

Choosing a Credit Card

More people have credit cards than ever before. Discover, MasterCard, Optima and Visa are examples of the many credit cards issued by banks, savings and loans, and credit unions. The law provides many protections for you in your shopping for a credit card.

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What information do I have a right to?

How should I judge the APR shown in the solicitation?

Can I avoid paying a finance charge?

Does the APR on a credit card always stay the same?

Is there a charge each year for the right to use a credit card?

What other fees and charges should I look for on the disclosure statement?

In shopping for a credit card, I found that one credit card issuer charges a higher rate than that allowed by my state law. How can that be?

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