Under this Act, credit and charge card companies must provide you with information about their terms. Features like Annual Percentage Rates (APRs), cash advances and annual fees may vary from one card to another. Cards may charge different APRs for purchases than they do for cash advances, and that APR can change. Card issuers are required to disclose their terms in writing at the time you apply. If a card company offers you a written "pre-approved" credit solicitation, the offer must include these written terms. Also, card issuers must inform customers if they make certain changes in rates or coverage for credit insurance.