• Find out exactly what fees and costs are linked to your account. •查找什么费用和成本都与您的帐户。 Try not to be lulled into a false sense of security with terms such as, “No up-front costs.” Many credit cards that target post-bankruptcy and low-scoring consumers add these “processing charges” and “annual fees” directly to your account—which implies that you might receive a credit card with a $250 credit limit and $175 or more in charges that have already been made to the account. 尽量不要在迷惑，一种虚假的安全感条款，如“无预付成本。 ”许多信用卡这一目标后破产和低得分消费者购买这些“处理费”和“ 年费”直接向您的帐户，这意味着您可能会收到信用卡了250美元的信用额度和175美元或更多的费用已经作出的帐户。

Try to be informed on the penalties for late payments as well as going over your credit limit. 尝试被告知的处罚延迟付款，以及将超过您的信用额度。 Quite often, one late payment can send an account like this completely spiraling out of control. 常常，一个迟交可以传送到像这样完全失去了控制。 You miss a $50 minimum payment, and then a $35 late charge will be added. 你错过了50美元的最低费用，然后35美元收费下旬将增加。 As your new credit limit is low, the late charge will puts you over your credit limit, triggering another charge of $35—which, of course, will put you further over your credit limit. 随着新的信用额度低，后期费用将让您对您的信用额度，引发另一收费35美元，其中，当然，你将进一步超过您的信用额度。 By the time your next statement comes around, your $50 minimum payment will have turned into a request for $150 or more in order to “bring your account current.” And also, if you are not able to make that payment, it will just keep on growing. 的时候，您下次来周围的声明，您的50美元的最低付款将变成一个请求为150美元或更多的是为了“使您的帐户电流。 ”另外，如果你不能够支付，它将不断在不断增加。 For many post-bankruptcy consumers, that scenario is quite well-known. 对于许多后破产的消费者，这种情况是相当众所周知的。 There will be no room for that kind of error when you try to rebuild following bankruptcy, so be well-assured that you know what kind of charges might apply and what circumstances might cause them. 不会有任何的余地这样的错误当您尝试重建后破产，因此，良好的放心，您知道什么样的费用和可能适用什么情况下可能会导致他们。

Try to read the entire agreement with care. 尝试读取全体同意照顾。 It is true that most people try not to read the fine print in all of their contracts, but it’sa gamble—and it will be all the more dangerous when you deal with high-risk lenders. 的确，大多数人尽量不要读罚款打印在所有的合同，但是这是赌博，而且将更加危险时，处理高风险贷款。 Remember that companies who make loans to low-credit-scoring and post-bankruptcy consumers are taking a chance—and they won’t take that chance without an important payoff. 请记住，公司谁提供贷款，以低信用评分和后破产的消费者采取了机会，他们不会采取这样的机会没有一个重要的回报。 Try to read and understand the entire agreement, and if you do not understand something, ask questions until you do understand. 尝试阅读和理解的全部协议，如果你不懂的东西，提出问题，直到你明白。

Watch out for all the common “predatory” practices: People who have previously filed for bankruptcy will often be targeted by predatory lenders, because those lenders know that post-bankruptcy borrowers have fewer options, and that they might be so relieved to discover that they’ve qualified for a loan following their bankruptcy that they won’t be inclined to ask too many questions. 观察了所有的共同的“掠夺”的做法：人们谁曾申请破产往往是针对掠夺性的贷款，因为这些贷款人知道，后破产借款人已较少的选项，他们可能是这样宽慰地发现，他们都有资格获得贷款后，破产，他们将不会倾向于问太多的问题。 Many consumers tend to accept that because they think that accepting extortionist terms is the only way that they’ll qualify for credit following bankruptcy. 许多消费者往往会接受，因为他们认为，接受extortionist条件只有这样，他们将有资格的信用下列破产。 This is not true. 这是不正确的。 Try to hold out for a reputable post-bankruptcy lender. 尝试举行了信誉后破产的银行。

Keep reading, go to our next page on bankruptcy recovery: Home Equity Options 4 请阅读，去我们的下一个网页的破产复苏：主页股票期权第4