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About Credit Cards: When Applying For Credit Cards! MUST Shop Around For The BEST Value & Benefits: Values & Benefits can vary greatly: And in some cases, credit cards might seem like great deals until you read the fine print and disclosures. When you're trying to find the credit card that's right for you, look at the: Annual fees: Many issuers charge annual membership or participation fees. Some card issuers assess the fee in monthly installments. Annual percentage rate (APR): The APR is a measure of the cost of credit, expressed as a yearly interest rate. It must be disclosed before your account can be activated, and it must appear on your account statements. The card issuer also must disclose the