Going over your credit limit can result in declined transactions, over-the-limit fees and a possible decrease in your credit score. Among the ways to avoid credit card fees is by setting up alerts that notify you if you’re approaching your credit limit, as well as making on-time payments and paying down your card balance as soon as possible.

While many credit cards offer a way to use a new credit card before the physical card arrives in the mail, you may have to wait to get your hands on a credit card. It can typically take anywhere from seven to 10 business days for your new card to arrive in the mail.

A credit card’s interest rate is called its APR, or annual percentage rate. Different rates may be applied to various types of transactions — which could include purchases, balance transfers and cash advances.

Credit card points and miles misconceptions—everyone has them, and we hear about them daily. In an effort to teach and dispel these misconceptions, let’s go over some of them. People Who Use Credit Cards are in Big Debt This could be true for some people who can’t control their spending.

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