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Tough realities about credit cards

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Quick links:

  • Card pros and cons
  • Dangerous benefit
  • Grace period dangers
  • "Zero percent" cards?
  • Bad cards
  • Different types of cards
  • Dangers of cash advances, "checks"
  • Dangers of fine print
  • Bank or credit union
  • Test yourself!

Tell Me More About The Grace Period.


The grace period: How many days you have to pay your credit card bill in full before you're charged a lot of interest.


  • Credit card companies have different grace periods. Some give you 21 days to pay your bill in full. Some give you 25.
  • You don't get a free loan if you don't pay your bill in full before the grace period ends.
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