{"id":352557,"date":"2016-04-04T10:42:05","date_gmt":"2016-04-04T15:42:05","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/credit-banking-finance\/shopping-for-credit-cards.html"},"modified":"2024-02-20T12:44:33","modified_gmt":"2024-02-20T17:44:33","slug":"shopping-for-credit-cards","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/shopping-for-credit-cards.html","title":{"rendered":"Legal Guide to Shopping for Credit Cards"},"content":{"rendered":"\n
\n \n
\n

Legal Guide to Shopping for Credit Cards<\/h1>\n
\n
\n By Olivia Wathne, J.D.<\/a> | Legally reviewed by Melissa Bender, Esq.<\/a>\n | Last reviewed\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
\n

This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
\n

The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

Consumers get bombarded by credit card offers every day. For some, it can be challenging to find the right one. This makes shopping around for the best card difficult. With The Credit Card Accountability, Responsibility, and Disclosure (Credit CARD) Act of 2009<\/a> made things easier for new cardholders.<\/p>\r\n

Laws on Credit Card Disclosures<\/h2>\r\n

Two major laws largely govern credit card offers. The Truth in Lending Act<\/a> (TILA) and the more recent Credit CARD Act. TILA requires credit card issuers to disclose the key terms that apply to the credit card in the application. The more recent Credit CARD Act has made many changes, including:<\/p>\r\n