One of the greatest things about credit cards is that there are no secrets. If you've got a card in your wallet, the issuing bank has already sent you everything you need to know about using the card. If you're shopping for a card, issuing banks will be glad to send you the information you need with your application. Then, it's up to you to read, understand, and live by the rules.

Remember, READ AND UNDERSTAND THE Terms and Conditions of your cardholder agreement, which is essentially a contract between you and the bank.