Credit Card Terms and Conditions

Credit Card Terms and Conditions outline the rules for using your card, including interest rates, fees, billing cycles, and repayment obligations. They specify how interest is calculated, what penalties apply for late payments, and any additional charges like annual fees or foreign transaction fees. The document also details your responsibilities and the bank’s rights, such as increasing credit limits or closing accounts. Understanding these terms helps you manage your card wisely, avoid unexpected costs, and use the credit facility responsibly within your financial means.