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ABA Family Legal Guide
Consumer Credit
Credit Cards
Choosing a Credit Card
- Who provides revolving credit?
- What legal protections help consumers select the best card for their purposes?
- How should I judge the APR shown in the solicitation?
- How do credit grantors figure an account's balance?
- 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?
- What if I can't get a credit card from a financial institution—either because of a bad credit record or because I have not established a credit record?
Copyright © 2004 American Bar Association