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If you charge over your limit, the bank can take the balance from your account. These cards may charge higher interest rates, but they offer the convenience of using a credit card while you build a good credit history.You must notify your credit-card company as soon as you know your card has been stolen or used without your permission.

Secured cards can be the best option for your first credit card.If your card issuer does raise your rate (or says it will) and you close your account, your card issuer can require you to pay back your balance over five years or double your previous minimum monthly payment. Your rate can go up if the rate you were given was clearly disclosed as lasting for a certain period of time.For example, your card issuer could offer an introductory rate if you were told what the new rate would be after that period expired.Learn more about what your credit history says about you.On May 22, 2009, the Credit CARD Act of 2009 was signed into law by President Barack Obama.

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