Credit cards common issues

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?

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

I receive numerous credit card offers in the mail. Will these offers damage my credit score?

I just received a new card from the card issuer with a new account number and a letter saying my account had been "compromised." What does that mean? What should I do?

My spouse and I had a joint account. We are no longer living together and the monthly bills have been sent to my spouse’s address. He/she has not paid them and now the card issuer is charging late fees. Am I responsible?

I let the card issuer know I was closing my account. They are still charging me interest. Can they do that?

I received a notice from my card issuer telling me that they were closing my account and that I cannot use my credit card any more. Can they do that?

I sent my payment to the card issuer but I: forgot to include the payment stub; sent the payment to the wrong address; sent cash rather than a check; sent a check in foreign currency. What happens?

I just learned that my card issuer has closed my account without giving me any notice. Can they do that? What can I do?

I went over my credit limit and I was charged an overlimit fee. What can I do?

I bought something with my credit card when I was abroad and when the bill came there was a 2 percent fee. What’s that?

I paid my bill on time last month and still was charged a late fee. How can that be?

I have a deferred interest plan. Can I pay my deferred interest balance before my other balance?

I got a credit card promising no interest for a purchase if I pay in full within 12 months. How does this work?

My bill shows different APRs and shows how much of the balance is subject to each interest rate. I cannot figure out how this is calculated. How does that work?

I used all my credit and made a payment. How long does it take before I can use the card again?

I agreed to allow my card issuer to charge an overlimit fee if I exceed my credit limit. I needed to make a purchase that would have put me over my credit limit and was prepared to pay the overlimit fee, but the card issuer refused to authorize the charge. Can they do that?

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?

My kid purchased something with my credit card without my permission. Do I have to pay for it?

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

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?

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

My children are under 21 years old, but they receive invitations to apply for credit cards. How is this possible?

I am tired of receiving credit card mailings. What can I do?

I received something in the mail offering me a credit card and it said that I could stop receiving “prescreened offers of credit.” What does this mean?