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the credit card agreement that tiny writing that comes along with a credit card application the writing that most people dont even bother to read apparently these agreements are supposed to be easier to understand and shorter than ever before theyre currently at an 11th grade reading level well we came here outside of a university campus with an excerpt from a credit card agreement to see if the average consumer does understand what theyre agreeing to every time they swipe their card the minimum payment is the greater of a specified dollar amount or the total rounded up to the next dollar of a specified percentage shown in the accompanying summary of terms of your new balance plus B transaction fees such as transaction fees imposed for cash advances most any penalty fees such as late payment fees and return to payments and fees and fees and all these fees they dont be charged so while the agreements have gotten a little bit easier to read theyre still confusing for a lot of peopl