Credit Card Resources

Originally posted at Consumer Financial Protection Bureau: https://www.consumerfinance.gov/consumer-tools/credit-cards/

Whether you’re shopping for a new card or getting a handle on an existing one, here are the resources you need to manage your credit cards.

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Basics

Learn when companies can change your credit card terms

A company can typically change your credit card terms for future purchases, but they’re generally required to notify you 45 days in advance of any significant changes. Read more 

Understand how a credit card issuer calculates your interest rate

Your interest rate is what you pay for borrowing money, and most companies calculate it daily. The sooner you pay all or part of your balance, the less interest you pay. Read more 

Learn the difference between a fixed and variable APR

Credit cards have interest rates that are either fixed or adjustable based on an interest rate index. When shopping for a card, find out if the APR is fixed or variable. Read more 

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Notice to New York Residents

Notice to New York City Residents
At this time, our language access services are limited to our ability to make Spanish speaking representatives available to you upon request, but please note that we do not provide written correspondence translated to another language. Please contact us to confirm your preferred language. In addition, a translation and description of commonly-used debt collection terms is available in multiple languages on New York City’s Department of Consumer Affairs’ website at www.nyc.gov/dca.