[header] How to fill out a credit application [title] Review the credit agreement before completing or signing the application. [step] The credit agreement is usually found in the last section of the application. It outlines the terms and conditions to the consumer as required by the federal law consumer disclosure act and explains the binding agreement between you and the issuer. 
[substeps] Pay attention to the apr (annual percentage rate) and the late charge penalties (i.e. the amount you pay if you make a late payment).