Key questions to ask

Key questions to ask (and get answered)
before you sign up for a credit card

Credit Cards
		Credit card basics home
		How do you plan to pay
		Cards for people with so-so credit
		Cards for teens and students
		Credit insurance
		Credit cards sales scams
		Using the Web to find a card
		Key questions to get answered
		The heart of the matter
		How to assess what you'll pay (calculators)
		Credit union credit cards
		Balance transfers
		Liability -- if it's stolen or misused

Whether you apply for a card, ask a phone rep to send you information, hook up with a card company's online applications or receive an uninvited application through the mail - and who among us has not - don't sign up until you have asked and answered some key questions.

Check out our other credit card basics story and these questions will be seen in context.

Find out:

Is there an introductory rate, what is it and how long does it last?
After that, what will my rate be?
Is there an application fee?
Are there processing fees?
Is there an annual fee?
Is there a late fee?
Is there an over-the-limit fee?
Are there any other fees, like account termination fees or balance transfer fees?
When and how can a variable rate be changed?
When and how can a fixed rate be changed?
What is the grace period before interest is applied?
How will you inform me of any changes in my contract?
Will the company inform me if I am about to go over my limit?
If I go over my limit, what happens?
What is the company policy if I have trouble paying my bill?

Home Media NewsPapers Television Radio Magazines Government Geography Maps States&UTs History Travel Art&Culture Art Dance Theatre Music Jewellery Festivals Astrology Business CreditCards Tax Career Banks StockExchange NSE BSE Entertainment Bollywood Tollywood Movies Music Food Shopping Sports Cricket Tennis Golf Adventure Sports National Info.