Whether you have one or more credit cards or are planning to apply for one, it’s important to be aware of the policies that apply to you as a cardholder. Credit card issuers set rules for where and how you can use your card, from making everyday purchases to managing your account over time. We explain these policies in simple terms, covering topics like where you can use your card, how to request a credit limit increase, when to expect late payment fees, and how your card(s) will reflect on your credit report.