Military.com is full of great resources. In the Banking and Savings section, there is a good article about the various tricks that some credit card companies use to make more money . Most of the things listed can be avoided by choosing your credit card carefully. Ask questions before you sign up, read the pamphlet that comes with your card, and keep up with any changes to the cards terms. If you have a card with unfavorable terms, consider switching to a more customer friendly bank or credit union. You will save yourself money and frustration by selecting a company that doesn’t try to make things complicated for you.