Interest Free (Grace) Period A length of time the user of a credit card is entitled to credit without having to pay interest assuming prompt monthly payment.

免息期/宽限期 如果每月及时还款，信用卡持有人有权免息使用一定信用额度的期间。

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You can transfer credit card balances once the initial interest free period is up to another card, and so continue your interest free credit.

你可以传递初始一旦信用卡余额免息期最长的另一卡等你继续免息贷款。

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By Federal law, you are entitled to a free copy of your credit report from each of the three national credit reporting agencies once within a 12-month period, but only if you request them through annualcreditreport.com.

FORBES: Manage Your Credit