What does terms and conditions mean?

Even before you apply for a credit card, even though it seems a good offer, do not proceed until you have read and understood all the terms and conditions. The terms and conditions section of a credit card issuer is perhaps the most important point of the whole offer, because there you will find displayed such important notes as what the APR you will have to pay for is, what happens in case you fall behind your payments, what fees and charges are applicable in different cases and much more. Usually, by applying for the respective card it means that you have fully agreed to the terms and conditions, so this section will become a legally binding issue for you.