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Regular Contributor
Posts: 123
Registered: ‎07-22-2012
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Anyway to easily and accurately check your credit card's terms and conditions??

Hi everyone,

 

I am wondering if there is anyway to easily and accurately check your credit card's terms and conditions (including APR and fees)?? Right now, although some cards show the APR, rarely do any of them show you the late fees, bonus offers, etc.. Is there anyway to get this information easily and accurately?

 

That is, do you need to keep the original terms and conditions brochure sent when you receive your card to know the actual terms and conditions? If you don't have it, do you have to just refer to the terms and conditions posted on the card application page?

 

 

Jun 2012 FICO® ~ 734 EQ
Sep 2012 FICO® ~ 684 EQ; 734 TU
Oct 2012 FICO® ~ TBA

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Trying to stay in the garden...but also trying to get as many apps as possible for now :smileywink:
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: Anyway to easily and accurately check your credit card's terms and conditions??

They'll mail you T&Cs at the time you get the card and will update every now and then with new mailings, with card renewals, etc. Most of my CCs offer them online. There's usually a link for that. Others will show a special notice along with my statement online.

Moderator
Posts: 13,869
Registered: ‎04-15-2011
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Re: Anyway to easily and accurately check your credit card's terms and conditions??

+1   You should have received it with your card, it's that paper with the really, really small words.  Otherwise just go to their website, you'll most likely find a copy of it there.



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