Match Your Card and Lifestyle: Key Questions to Ask Before you Sign Up

Whether you are apply for a credit card, you should ask a phone representative to send you information related to your credit card, you should also hook up with online applications of a credit card company or receive an uninvited application through the mail, you should never attempt to sign up until that you have asked about some key questions that are really important to ask before you signup.


You have to find out the answers to the following questions:

  • Are there any processing fees charged by the company?
  • Does the company charge an annual fee from its card holders?
  • Is there any late fees that is charged by the company?


  • Is there any fees that is charged by the company for over-the-limit?
  • Does the company charge any other fees, like fees for account termination or balance-transfer fees?
  • Under what circumstances and how can a variable rate be changed?
  • What is the grace period offered by the company before interest is applied?
  • How will the card company inform you about any changes that they make in your contract?
  • Will I be informed by the company if I am about to go over my limit?
  • If in case I go over my limit, then what will happen?
  • What is the policy of the company if I face any trouble in paying off my bill?
  • Is there any possibility to pay your bill online?

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