Credit card application, online exploration
Call your bank if you have received a notice of modifications to your credit card account. If you make your payments on time and historically carry little balance, it is likely the bank will restore your old terms. If you have a spotty record, however, the new rates and limits are likely to stick. The most financially beneficial way to use a credit card is to pay it off each payment period. If you currently carry debt on credit cards, however, read and understand the terms and rates for those cards.