Low interest credit cards A primer
* Credit applications or loans that require you to pay up front fees like "application fees. " Charging a fee before a loan is actualized is illegal. If a company asks you to shell out any money at all before your loan or credit line is approved (even if they say you are pre approved), refuse the offer and report the company to the relevant authorities. * Unethical (and possibly illegal) billing practices. Predatory credit card companies sometimes try tricks like mailing you a bill on the bill's due date, meaning that by the time you get the bill, your account is already past due.