When applying for a credit card there are several things to consider. The annual percentage rate (APR) is an obvious consideration, but fees can be astronomical with some cards and should be given some serious review.
Each card has their own billing structure and they can call these fees any number of different things:
Participation Fee
Monthly Service [...]

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If your payment is due on the first and the lender provides a 10 day grace period you will be subject to late fees as of the 11th of the month. At what point are lates reported on your credit profile?
All credit reported?will reflect payment history in 30 day increments. Satisfactory payment history also will [...]

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There are may companies that charge for disputing credit reported items on your behalf but this is not always necessary. The 3 bureaus (Experian, Equifax, and TransUnion) have made it much easier for consumers to handle this task themselves.
To initiate a dispute you must put your dispute in letter form and it must reference the [...]

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How long does a judgment remain on your credit profile? What is the difference between a judgment and any other collection account? Every year, more and more consumers find themselves with judgments on their credit report and are unclear where they came from or how to deal with them.
A judgment is a claim against an [...]

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