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  Planning & Tools > Preserve Your Financial Security > Using Credit to Your Advantage > Smart Borrowing > Fine Print

Credit Cards: The Fine Print

Before you sign up for a credit card, review all terms and conditions. Then answer these five questions:

  • Is the annual percentage rate (APR) fixed or variable?
  • What types of fees and “special” APRs does the card charge?
  • What’s the grace or “free” period before interest is charged?
  • Does the card come with special features, such as travel miles, free car rental insurance, etc.?
  • What is my available line of credit?

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