• Find out exactly what fees and costs are linked to your account. •查找什麼費用和成本都與您的帳戶。 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. 盡量不要在迷惑，一種虛假的安全感條款，如“無預付成本。 ”許多信用卡這一目標後破產和低得分消費者購買這些“處理費”和“ 年費”直接向您的帳戶，這意味著您可能會收到信用卡了250美元的信用額度和175美元或更多的費用已經作出的帳戶。

Try to be informed on the penalties for late payments as well as going over your credit limit. 嘗試被告知的處罰延遲付款，以及將超過您的信用額度。 Quite often, one late payment can send an account like this completely spiraling out of control. 常常，一個遲交可以傳送到像這樣完全失去了控制。 You miss a $50 minimum payment, and then a $35 late charge will be added. 你錯過了50美元的最低費用，然後35美元收費下旬將增加。 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. 隨著新的信用額度低，後期費用將讓您對您的信用額度，引發另一收費35美元，其中，當然，你將進一步超過您的信用額度。 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. 的時候，您下次來周圍的聲明，您的50美元的最低付款將變成一個請求為150美元或更多的是為了“使您的帳戶電流。 ”另外，如果你不能夠支付，它將不斷在不斷增加。 For many post-bankruptcy consumers, that scenario is quite well-known. 對於許多後破產的消費者，這種情況是相當眾所周知的。 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. 不會有任何的餘地這樣的錯誤當您嘗試重建後破產，因此，良好的放心，您知道什麼樣的費用和可能適用什麼情況下可能會導致他們。

Try to read the entire agreement with care. 嘗試讀取全體同意照顧。 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. 的確，大多數人盡量不要讀罰款打印在所有的合同，但是這是賭博，而且將更加危險時，處理高風險貸款。 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. 請記住，公司誰提供貸款，以低信用評分和後破產的消費者採取了機會，他們不會採取這樣的機會沒有一個重要的回報。 Try to read and understand the entire agreement, and if you do not understand something, ask questions until you do understand. 嘗試閱讀和理解的全部協議，如果你不懂的東西，提出問題，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. 觀察了所有的共同的“掠奪”的做法：人們誰曾申請破產往往是針對掠奪性的貸款，因為這些貸款人知道，後破產借款人已較少的選項，他們可能是這樣寬慰地發現，他們都有資格獲得貸款後，破產，他們將不會傾向於問太多的問題。 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. 許多消費者往往會接受，因為他們認為，接受extortionist條件只有這樣，他們將有資格的信用下列破產。 This is not true. 這是不正確的。 Try to hold out for a reputable post-bankruptcy lender. 嘗試舉行了信譽後破產的銀行。

Keep reading, go to our next page on bankruptcy recovery: Home Equity Options 4 請閱讀，去我們的下一個網頁的破產復甦：主頁股票期權第4