Skip to main content

An official website of the United States government

(855) 411-2372

Credit card answers

Whether you’re shopping for a new card or managing an existing card, it helps to have the facts. From late fees to lost cards, get answers to your credit card questions.

Showing 67 results within credit cards

What is a prescreened credit card offer?

If I link my credit card to my checking account to cover overdrafts, can the bank/credit union charge me a fee each time I use it to cover an overdraft?

Why did I get a low credit limit on a credit card?

Why do I receive so many offers for new credit cards in the mail?

Do joint credit card accounts with my spouse affect my credit score?

Can I make issuers stop sending me credit card offers in the mail?

Can the card issuer request information about my income, my age, and my Social Security Number when I apply for a credit card?

I was an authorized user on my deceased relative’s credit card account. Am I liable to repay the debt?

How long can I keep a low rate on a balance transfer or other introductory rate?

What are credit card “add-on products?”

What is an annual percentage rate (APR) and why is it higher than the interest rate for my payday loan?

What should I do if I can’t pay my credit card bills?

What is covered under the Military Lending Act?

I am a stay-at-home spouse or partner without a separate income. I share income and expenses with my spouse or partner. Can I still get a credit card in my own name?

What should I know about medical credit cards and payment plans for medical bills?

I’ve seen a lot of advertisements for companies that consolidate credit card debt. Are these legitimate?

What do I need to know about consolidating my credit card debt?

What information is a card issuer not allowed to base decisions on when I apply for credit?

How can I get a refund on a product or service I purchased with my credit card?

Can a credit card company consider my age when deciding to lend me a card?

What happens if my credit card company has an outage and I can’t access my account?

My new credit card won't work. What should I do?

What is an unauthorized use of a credit card?

Am I responsible for unauthorized charges if my credit cards are lost or stolen?

When I went to use my credit card the store told me the charge was not "authorized". What does that mean? What can I do?

Don't see what you're looking for? Search our full library of answers

Page last modified Dec. 28, 2022 @ 01:31 PM EST