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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 

Take action

Submit a complaint

If you are having an issue with a credit card, you can submit a complaint to the CFPB. We’ll work to get you a response from the company.