Do I have to read the fine print?

  The quick answer to this one is yes, before filling out any credit card applications and signing it you have to ensure you have read the fine print.  This goes for all credit card applications as well as any other legal forms you fill out.  To me, it does not matter the size of the company, their reputation, or anything else.  Even if you have read the fine print on another application from the same company, you have to read the fine print all the time.  You need to do this so you can protect yourself and know ALL the details.  Make sure when you are filling out any type of forms that you read any fine print there is, do not let anybody pressure you into not reading it.  You have to remember, the sales people will say almost anything just to get your to sign on that dotted line.

  One huge benefit of filling credit card applications online is there is no one there pressuring you to do something quickly.  You have plenty of time without anyone bothering you to go over every detail of that credit card offer.  You can print off the fine print and have a read of it without the pressure of someone hurrying you along to fill out the forms. 

All the best information is going to be in big and bold letters.  The fine print is where you are going to out that the 0% offer is going to jump to 19.9% or what ever it is going to be.  You have to know these things.  I am betting that in all credit card applications they will have something in the fine print that states they have the right to change any benefits, conditions, interest rates, etc, etc at anytime.  This is where you can find out if that air miles card has black out dates or caps on points earned.  I would suggest using the top banks and credit card companies as they will most likely not make huge changes to their benefits and promotions.

  If you do see some credit card applications or offers that seem way too good to be true; most likely there will be something in the fine print that would explain why.  If the fine print wasn't necessary, it wouldn't have to be there.  It is put on credit card applications and other legal documents to protect you.  Do not waste this protection by not reading it completely.  Do not be afraid to ask if there is a part of it that you do not understand.  Often times it is worded in a way that only a lawyer could understand.

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