Always get a written estimate of what services you can expect and how much it will cost before making commitments to work with any financial planner. ... If any investCredit Card Check-up Credit and its use is a privilege, not a right. ... Unfortunately, neither instructions or training manual are provided for our education on the use of these cards. ... One card with a grace period and no annual fee should be used for convenience, with the balance paid off each month , and the other, anbsp;...