Credit Cards Information for consumers about using credit cards: getting a credit card, maintaining a balance, understanding credit billing, and knowing about the different types of available credit. This section includes warnings about common credit card issues. Obtaining a Credit Card Information for First-Time Credit Card Users Qualifying for credit, establishing and maintaining a positive credit history, and understanding the responsibilities and fees associated with credit.  Choosing a Credit Card Cardweb.com and Bankrate.com allow consumers to search among hundreds of cards offered by small and large banks to find the best deal and avoid credit card pitfalls. Applying for Credit Information on understanding the "fine print" on credit applications, protecting against identity theft, and improving a credit rating. Avoiding Credit Card Hazards* Concrete examples of common credit card pitfalls and specific strategies on how to avoid them. Credit for Older Consumers Specific information relating to credit issues for individuals over age 62, including establishing a credit history, applying for credit, and identifying discriminatory credit practices. Maintaining a Credit Card General Billing Errors  A self-help guide, including sample letters to credit agencies, for identifying and correcting billing errors. Avoid Credit and Charge Card Fraud A how-to guide on avoiding and reporting credit card fraud. Erroneous Charges What to do when your credit card has been billed for merchandise you have not purchased. Includes advice on disputing charges and a sample letter to a credit card company. Stolen Credit, Debit, and ATM Cards Step-by-step procedures for minimizing the risk of lost or stolen cards and how to report loss or theft. Credit and Debit Card Blocking An explanation of credit card "blocking" and how to avoid it. Credit Card Loss Protection Offers Information about avoiding this common scheme. Credit and Divorce Information relating to specific credit issues affecting divorcing couples, including managing joint accounts and avoiding common pitfalls. * This document is presented in Portable Document Format (PDF). A PDF reader is required for viewing. Download a PDF Reader or Learn More About PDFs.