It doesn’t matter if you’ve been using credit cards for many years or are in the process of applying for your first one, you’re likely to have questions (and maybe even a few concerns).

Fortunately, when you address the most common questions as they come at you, it’s much easier to feel confident in how you’re using your card or searching for a new offer.

If you don’t know where to start, here are 21 frequently asked credit card questions that will point you in the right direction:

• Is a credit card and debit card the same thing?
• What’s the difference between a secured and unsecured credit card?
• What information do credit card companies require on an application?
• What’s the best way to get a credit card with no credit history?
• Is it possible to obtain a credit card with a poor credit score?
• What do credit card companies focus on when reviewing an application for approval or denial?
• What is an instant approval credit card?
• How old do you have to be to obtain a credit card?
• What is a student credit card? What are the pros and cons?
• When are you charged interest on a credit card account?
• What is a balance transfer credit card and when is it most often used?
• What are the top safety and security concerns associated with credit card accounts?
• What are the most common fees associated with a credit card?
• Is it worth paying an annual fee?
• What is a rewards credit card? How about a travel credit card? What about a cash back credit card?
• When is it the right time to redeem credit card points or cash back?
• What happens if you make a late payment?
• Are you able to use a credit card out of the United States?
• What should you do if you can’t afford to make your credit card payment?
• How is your APR calculated?
• Does it make sense to cancel a credit card that you never use?

Do you know the answers to these questions? If so, you’re in good position to apply for and/or better manage your credit card account. But if you don’t, it’s time to find the answers as they relate to your personal situation.

Don’t let any question linger. It’s too important to your finances to guess and hope for the best.

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