Credit Cards: Know the Rules – and Your Rights



Using a credit card is easy, but understanding the rules and fine print that come along with it is anything but. That’s no accident. Credit cards are ruled by complicated contracts with all kinds of caveats, and they’re all designed to do one thing: Ensure that the credit card company gets its money. Fortunately, the tides turned a little in consumers’ favor in 2009, when the Credit CARD Act was signed into law. This law laid out federal guidelines to help protect consumers from some of the tricks credit card companies had come up with to boost profits at the expense of consumers.

So what does your credit card company have to do? And what rights do credit card holders have? Understanding the rules and your rights is the first step to ensuring that you don’t get stuck paying more than the law says you have to. Learn about both in my new article on


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