Navigating the Credit Card Process

Credit cards are a fact of life for most consumers today. Used wisely, they offer convenience and flexibility. Managing your credit card use can help prevent soaring account balances and extra interest payments. The Federal Reserve has prepared a list of tips and a short video to help consumers get the most from their credit cards: by paying on time, staying below the credit limit, paying more than the minimum each month, avoiding unnecessary fees, and watching for changes in the terms of the account.

"5 Tips for Getting the Most from Your Credit Card,"  
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  Watch the video (English)   

More Helpful Information about Credit and Credit Cards

Federal Reserve Consumer Help If you have a problem with a bank or other financial institution, or for other consumer credit resources visit Federal Reserve Consumer Help.

New Credit Card Rules
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The Credit Card Act: A webinar for financial educators
Overview of the Credit Card Act's provisions and timeline for implementations presented during a Community Affairs webinar.

Credit and charge cards: What consumers should know about the cost and terms of credit
Learn how credit card charges, finance charges, and terms of credit can change your financial status.

AnnualCreditReport.com
Strengthen your finances and protect against identity theft by monitoring and reviewing your credit report. This is the only online source authorized to provide you with a free credit report: beware of other sites that may look and sound similar.

Foreclosure Resource Center
Get information on foreclosure prevention and housing counseling services.