Chapter 1: Match card and lifestyleThe smart consumer selects the card that matches his or her spending and payment habits.Finding the card for your lifestyleKey questions to ask before signing upHow do you plan to pay?Read the fine printCards on the WebBeware the scamsChapter 2: Credit reports and scoresHere's how to order and read your credit reports and how your credit score is affected by the reports.Checking your credit reportHow to read a credit reportFixing mistakes on your credit reportWhat is a credit score?Chapter 3: Costs and feesYou found a credit card with a great low interest rate. Good for you. Now, what about the fees?How finance charges are figuredFAQ on feesHow to avoid late feesWhy your rates go upHefty cost of going over the limitWhen is a 'fixed' rate not fixed?Chapter 4: Managing your cardsYou pay promptly and never go over the limit. But, do you know your consumer rights?Guide to reading your monthly statementAsk for a lower rateStep-by-step guide to balance transfersHow to cancel a cardPaying less than the minimumLost or stolen cardThe high cost of ignoring your billsChapter 5: Using credit wiselySavvy spenders use credit carefully. Discover when it's smart to pull out a card and when it's not.Shop safely on the WebHow to dispute a credit card purchaseCharging your way to free travelUsing a credit card to establish good creditChanging the due date on your credit cardChapter 6: Special-need card usersHere are the cards best for first-time applicants, students and for those with bruised creditGetting your first credit cardCards for college studentsWhy a credit card is useful for studentsBad credit doesn't mean no credit advertisementRelated Links:Stripped-down BofA VisaFinancial meltdown: credit cardsNational credit card rate averagesRelated Articles:Credit card rates6 smart credit card movesClosing a credit card