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As a matter of ,fact, credit cards terms should be known for every perosn who utilize this plastics. Credit cards terms have to be known when you apply for them. In short, you have to inquire about the terms when you apply for a credit card. Know that a lot of credit cards request you to pay an amount of fees either monthly, annually, they are named differently like: annual fees, activation fees, etc. their charge is no more than $150 when choosing an acceptable offer. You have also to know more about transaction fees and additional other charges you ahve to pay when getting cash advance or make a late payment. Without forgetting the Annual Percentage Rate( APR ) as a measure of the credit cost. Know also more about the grace period or the free period. Without forgetting to know more info also about Balance transfer offers, etc.