{"id":6767,"date":"2016-04-25T19:24:36","date_gmt":"2016-04-25T19:24:36","guid":{"rendered":"\/?p=6767"},"modified":"2018-12-28T20:25:21","modified_gmt":"2018-12-28T20:25:21","slug":"what-is-your-credit-card-terms-conditions-really-saying","status":"publish","type":"post","link":"https:\/\/findyourcoveragepolicy.com\/finance\/credit-cards\/what-is-your-credit-card-terms-conditions-really-saying\/","title":{"rendered":"What Is Your Credit Card Terms &#038; Conditions Really Saying"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">When you\u2019re ready to apply for a new credit card, keep in mind the terms and conditions. Read through them carefully. By doing so, you ensure that you are aware of all the following:<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Introductory rates<\/strong> \u2013 These are rates offered by the company and will go up after the introductory period is over.<br \/>\n<\/span><span style=\"font-weight: 400;\"><strong>Annual fees<\/strong> \u2013 These are fees charged by the company each year for using the credit card. It is not the same as the interest rate.<br \/>\n<\/span><span style=\"font-weight: 400;\"><strong>Overseas transaction fees<\/strong> \u2013 These are additional fees charged if you use your credit card out of the country. This is important if you travel abroad often.<br \/>\n<\/span><span style=\"font-weight: 400;\"><strong>Details of any 0% APR<\/strong> &#8211; This is their guarantee that they won\u2019t charge interest on anything you buy for a certain period of time.<br \/>\n<\/span><span style=\"font-weight: 400;\"><strong>Balance transfer fees<\/strong> \u2013 This is when you pay off the existing balance on a card by transferring it to another card.<br \/>\n<\/span><span style=\"font-weight: 400;\"><strong>Miscellaneous<\/strong> \u2013 These are any other things you should be aware of. Every company is different, so pay attention to details.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you\u2019re ready to apply for a new credit card, keep in mind the terms and conditions. Read through them carefully. By doing so, you ensure that you are aware of all the following: Introductory rates \u2013 These are rates offered by the company and will go up after the introductory period is over. Annual [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7088,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"_links":{"self":[{"href":"https:\/\/findyourcoveragepolicy.com\/wp-json\/wp\/v2\/posts\/6767"}],"collection":[{"href":"https:\/\/findyourcoveragepolicy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/findyourcoveragepolicy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/findyourcoveragepolicy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/findyourcoveragepolicy.com\/wp-json\/wp\/v2\/comments?post=6767"}],"version-history":[{"count":0,"href":"https:\/\/findyourcoveragepolicy.com\/wp-json\/wp\/v2\/posts\/6767\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/findyourcoveragepolicy.com\/wp-json\/wp\/v2\/media\/7088"}],"wp:attachment":[{"href":"https:\/\/findyourcoveragepolicy.com\/wp-json\/wp\/v2\/media?parent=6767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/findyourcoveragepolicy.com\/wp-json\/wp\/v2\/categories?post=6767"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/findyourcoveragepolicy.com\/wp-json\/wp\/v2\/tags?post=6767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}