Credit Card Basics

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Chapter 1: Match card and lifestyle

The smart consumer selects the card that matches his or her spending and payment habits.

Chapter 2: Credit reports and scores

Here’s how to order and read your credit reports and how your credit score is affected by the reports.

Chapter 3: Costs and fees

You found a credit card with a great low interest rate. Good for you. Now, what about the fees?

Chapter 4: Managing your cards

You pay promptly and never go over the limit. But, do you know your consumer rights?

Chapter 5: Using credit wisely

Savvy spenders use credit carefully. Discover when it’s smart to pull out a card and when it’s not.

Chapter 6: Special-need card users

Here are the cards best for first-time applicants, students and for those with bruised credit