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your credit card terms and conditions they can be a little overwhelming you dont bother to read your credit cards fine print you arent the only one its a lot of reading but when signing up for a new card its important to know what youre getting into to make it easier weve created this short list of the most important terms to watch out for and what they mean you mazey represents clearpoint credit counseling he says interest rate is an especially important term to look out for especially if theres a chance you wont pay your card each month lets check what the interest rate is if youre gonna get a promotion try and pay that before the promotion ends your interest rate might be represented on your terms as an annual percentage rate look for the letters APR this is the annualized rate youll pay each year on your account balances keep in mind youll likely have to pay interest for each billing period that you dont pay your balance in full also its important to know why your rat