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This must occur within two billing cycles and not later than 90 days after the issuer receives your letter. The annual percentage rate, or APR, is disclosed to you when you apply for a card, again when you open the account, and it is also noted on each bill you receive.
Some issuers allow a grace period for new purchases even if you do not pay your balance in full every month. If there is no grace period, the issuer imposes a finance charge from the date you use your card or from the date each transaction is posted to your account.
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If you name your spouse as the authorized user, a creditor who reports the credit history to a credit bureau must report it in your spouse's name as well as in your's (if the account was opened after June 1, 1977). A creditor also may report the credit history in the name of any other authorized user.
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