A credit report is a consumer report that contains information about where you work and live and how you pay your bills. It also may show whether you have been sued or arrested or have filed for bankruptcy. Companies called consumer reporting agencies (credit bureaus) compile and sell your credit report to businesses. Because businesses use this information to evaluate your applications for credit, insurance, employment, and other purposes, it is important that the information in your credit report is complete and accurate.

Both the Credit Bureau (also called Consumer Reporting Agency) and the organization that provided the information to the credit bureau, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in your credit report. To protect all your rights under the law, contact both the credit bureau and the information provider.

If you are a victim of identity theft, you should take immediate actions Take control of the situation

Credit cards are a great financial tool, offering many benefits: They can be safer and more convenient to use and carry than cash Credit cards offer the ability to buy goods and services now and pay for them later They have valuable consumer protections under the law Major credit cards are accepted by merchants around the world They may provide a source of cash or payment in an emergency Credit cards can guarantee hotel or travel reservations If you are not happy with a purchase you made using a credit card, you may have the right to withhold payment until the problem is resolved

A positive credit history is an asset, not only when you apply for a credit card, but also when you apply for a job or insurance, or when you want to finance a car or a home. Here are three major ways to start establishing a credit record for yourself

Credit card issuers offer a wide variety of terms. When you see credit card offers, consider and compare credit cards terms, including the following, before you select a credit card

Credit cards can provide tremendous benefits. Unfortunately, many people make mistakes when comparing credit card offers and using credit cards, and then pay the consequences later with extra costs, excessive debt, and frustrations that could have been avoided. Here are some errors many consumers make and tips to avoid them.

We've sorted all of our credit cards into several distinguishable categories to help you narrow the card selection process. To get started, find the category that suits you the most, compare the various cards, and apply online! If you're looking for a credit card from a particular issuer, try our Card Issuer page.

Standard Credit Card

Cash Rebate Credit Card