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Credit Card Categories
Credit cards fall into the following categories:

Bank Cards

As the name indicates, these cards are issued by banks. Examples are Visa, MasterCard and Discover.

Travel and Entertainment (T&E) cards

Examples are American Express, Diners Club and Carte Blanche.

House Cards

These are local and national department store cards such as Sears, or Macy's, and gas companies such as Mobil, Shell or Chevron.

Travel and Entertainment and National House cards (like Sears) have the same terms and conditions wherever you apply..

Card Holder Agreement
Usually, a small print statement that explains the terms and conditions of the credit card account. Changes to the card holder agreement are usually accompanied with an additional written notice. The APR, minimum payment formula, and annual fee, as well as other important aspects of the account are usually noted in the written agreement.

Signing up for a card registration service
Many companies offer credit card registration services, either for a fee or as a customer benefit. Sign up for the service, and in the event that any or all of your registered credit cards is lost or stolen stolen, you don't have to worry. Make one call to the service, and each issuer will be notified. If you decide to use the service, compare the benefits and terms and look for the one that will best suit your needs. Read the service contract carefully to check the company's obligations and your potential liability

Maintain a good mix of accounts
A good mix of revolving credit accounts and installment loans.

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