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Board of Governors of the Federal Reserve System Credit Card Basics

As a consumer, it pays to be smart when choosing and using a credit card. This site--maintained by the Federal Reserve Board, whose goal is to protect the credit rights of consumers--provides a basic guide to navigating the credit card process. Stay tuned during the coming months as we add additional features and information.

Interactive tools and features Man with laptop Understanding your credit card offer

Learn more about your offer

Understand the terms and fees
of your credit card offer.
Accessible version (937 KB PDF)
Reading Your Statement

Understand your statement

Learn more about the new features of your monthly statement.
Accessible version (1.01 MB PDF)

Pay it off

Get an estimate of how long it will take you
to pay off your credit card balance. ESPAÑOL

Watch the public service announcement

Learn how to get the most from your credit cards.

What you Need to Know

Changes Effective
August 22, 2010

Changes Effective
February 22, 2010

Last Update Date: November 10, 2010
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Survey of Credit Card Plans | Credit card agreement database (on the website of the CFPB) | FR Consumer Help