Debit card vs. credit card, the differences that matter
How each card works, the legal fraud protection you get with each, which one builds credit history and when it makes sense to use one or the other.
Credit cards
What to understand before and after you use a card: how interest is calculated, what each line of your statement means and how to avoid charges.
If you are just starting
All credit cards guides (4)
How to read your credit card statement, section by section
What each part of a credit card statement means, from the new balance and minimum payment to the minimum payment warning, interest charges and key dates.
The credit card minimum payment, and what it really costs
What happens when you only pay the minimum on your credit card, how you lose the grace period and how much interest you save by paying a little more each month.
What is APR and how is credit card interest calculated?
APR is the annual percentage rate on credit. Learn the types of credit card APR, how APR becomes daily interest, the grace period, and how APR differs from APY.