Credit card applications Learning the basics
) If the card levies a fee for any regular telephone or online payment, throw the offer away and find a card that's a little farther into the twenty first century. • Credit cards with monthly maintenance fees. These cards are aimed at consumers with credit ratings so bad that they have little to no chance of getting any other cards. To make matters even better, such cards usually have a credit limit so low that the fees quickly eat up the available balance. If your credit rating is in the dumps, avoid the temptation to improve it with one of these cards.