This cooperative extension bulletin provides basic information about credit cards and their use. It covers the following topics: types of credit cards (revolving credit, travel and entertainment, and debit); factors to consider when evaluating a credit card (interest rates, grace period, and annual membership fee); other credit card costs (late payment charges, fees for exceeding credit limits, charges for cash advances, and fees for special services); factors to consider when determining how many cards to carry; credit card consumer protection; unsolicited cards; disputes over merchandise or services; lost or stolen credit cards; credit cards and identification; secured credit cards, and federal enforcement agencies. (MN)