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The holidays are prime time for plastic. Not only does card usage soar at this time of year, but bank-card companies tempt you with more offers by mail, radio, and TV. To prepare you before your next trip to the mall--virtual or real--we asked Consumer Reports Online subscribers to send us their questions about credit cards. The e-mail told us that consumers were having similar problems with their cards: confusion about new payment options, tougher rules for late-payment fees, and introductory-offer fine print. In answers to the letters that follow, we explain the issues, telling you what you need to do to protect yourself and where to go with complaints.
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