Learn when companies can change your credit card terms
A company can typically change your credit card terms for future purchases, but they’re generally required to notify you 45 days in advance of any significant changes.
Read moreCredit cards
Whether you’re shopping for a new card or getting a handle on an existing one, here are the resources you need to manage your credit cards.
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Basics
Understand how a credit card issuer calculates your interest rate
Your interest rate is what you pay for borrowing money, and most companies calculate it daily. The sooner you pay all or part of your balance, the less interest you pay.
Read moreLearn the difference between a fixed and variable APR
Credit cards have interest rates that are either fixed or adjustable based on an interest rate index. When shopping for a card, find out if the APR is fixed or variable.
Read moreKey terms
Annual Percentage Rate (APR)
Balance transfer
Credit balance
Daily periodic rate
Grace period
Interest rate
Prescreened credit card offer
Unauthorized use
Explore key terms
Understand your situation
Common issues
You received a low credit limit
You paid off your balance but were charged for interest
You tried to make a purchase but were told the charge was not “authorized”
Explore common issues
Know your rights
Your interest rate on existing balances generally cannot increase unless you’re late on your payments
A card issuer cannot take more than 90 days to resolve a billing error
If you report a lost or stolen card before it’s used, you can’t be held responsible for unauthorized charges
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Take action
How-to guides
How to dispute a charge on your credit card bill
Read guideHow to cancel your credit card account
Read guideHow to get a refund on a product or service purchased with a credit card
Read guideSubmit a complaint
Having trouble with a financial product or service? If you've already tried reaching out to the company and still have an issue, you can submit a complaint. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.
Start a complaint