Read the Fine Print
Published September 29th, 2007 in Credit Help and Tips. 
I know this is probably something you’ve heard a hundred times already, but make sure you read the fine print when applying for a new credit card or executing a balance transfer.
Whenever you make one of these requests either online or via mail, you’ll see a “terms and conditions” area which you can either click on or read to learn more about all the specific rules and fees.
If you’re curious if a balance transfer is in fact a no fee balance transfer, make sure you click on the terms and conditions to see if there are any associated fees or special circumstances.
It’s really amazing what you can learn simply by reading this section, and I guarantee you’ll be surprised at what you find.
These credit card companies stuff a ton of important information in the terms and conditions, knowing full well that most consumers won’t bother to read it.
That’s what they present you with all the benefits of the credit card in vivid, large font, and cram all the bad stuff at the bottom in the microscopic print.
If you read the fine print, you’ll also find all the fee information such as late fees, over the limit fees, cash advance fees, and more.
Instead of wondering what these fees are, do the research yourself before making any commitments.
After all, these seemingly small details can have a large impact on your credit score, which in turn can save you hundreds of dollars, or cost you thousands if you fail to understand the rules.
Don’t forget, if you’re unclear on anything, you can always contact a representative at the credit card company as well.
Doing these things will reduce the amount of “surprises” you encounter down the road, so make sure you take the time to do your due diligence.
