Credit cards basics

My credit card statement now has a credit score. What does this mean?

What do I need to know if I’m thinking about consolidating my credit card debt?

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

How does a medical credit card work?

What types of loans are covered under the Military Lending Act?

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

My payday lender said my loan would cost 15 percent but my loan documents say the annual percentage rate (APR) is almost 400 percent. What is an APR on a payday loan and how should I use it?

What are credit card “add-on products?”

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

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

How do credit reporting companies get my information?

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

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?

My bank/credit union offered to link my checking account to a savings account, a line of credit, or a credit card to cover overdrafts. How does this work?

Is there a law that limits credit card interest rates?

When can my credit card company increase my interest rate? What can I do to get the rate back down?

What is the difference between a prepaid card, a credit card, and a debit card?

I am receiving many offers for new credit cards since I moved into my new home or took out my mortgage. Can I make the offers stop?

Can the credit card company sell my account?

I want to sue the card issuer that issued my credit card, but they tell me I have to use arbitration. Is that right?

I am afraid someone has gotten hold of my account number on my credit card. What should I do?

Am I responsible for charges on a joint credit card account if I didn’t make them?

I want to close my credit card account. What should I do?

Why wasn't my online payment credited to my account on the same day I made it?

When is my credit card payment considered to be late?