When it comes to your credit report, the big elephant in the room is the Fair Credit Reporting Act and its subsequent amendments.All you need to know is that the FCRA gives you very specific rights.

• 办卡是否得付年费是你首要的考虑，部分银行会针对团体办卡提供首年免年费，或是对于特定单位办卡提供年费优惠。