Seven Things You Should Know About Your Credit Card


  1. Your card provider can increase the interest rate on your existing balance if you miss two payments in a row.
  2. If you pay more than the minimum monthly amount, the extra applies first to the account with the highest interest rate.
  3. So-called “promotional” rates only last for 6 months.
  4. Your card provider can increase your interest rate on a new card after a year.
  5. Card payments are due at the end of the month (not on the first).
  6. The “Terms of Service” you accepted says you will allow the bank to charge “over-limit” fees.
  7. Gift Cards expire after 5 years.


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