When it comes to choosing a new credit card you should look beneath the surface of each credit card offer. The full terms and conditions will let you see how offers really stack up against each other. It’s just as important to know the full terms of credit card accounts you already have too (such as how your rewards programme works or what you’ll be charged if you use your credit card internationally).

These terms and conditions aren’t always easily accessible unfortunately. So here are three places where you may be able to find them or access them.

1. Browse your credit card company’s website.

Many credit card companies now post full terms and conditions on their website. Terms can vary from one card to another though, so browse the credit card issuer’s site for your specific card and see if they offer a copy of the full terms there.

For example, if you apply for an ANZ credit card you can find a link at the bottom of their website called “product disclosure statement” which is another way of saying “terms and conditions.” Click that and you can find product-specific terms. You may be able to view them directly in your Web browser or download a copy for your files.

2. Call your credit card company to request a copy.

If you don’t mind the wait, you can also call the credit card company that issued your credit card. They should be able to send you a print copy of the terms and conditions or at least help you access a digital copy online or through email.

3. Find a link in an online credit card application.

Another online option (if browsing the site isn’t working) is to go right to the credit card’s online application. You’ll probably have to agree to the terms and conditions there when you apply, so you should be able to find a direct link to them from that form. Some, like the HSBC credit card, will even embed the terms into the application.

Your credit card terms and conditions give you all of the details of a credit card offer, whether you already have the card or are looking for a new one. If you don’t know those terms, you might not be getting the great deal you think you are. For example, your rewards points might expire or you might not get the full advertised balance transfer introductory period if you don’t pay attention to the rules in the terms and conditions.

It doesn’t take that long to find a copy, even if you have to call the credit card company. And it’s an investment that’s well worth the time it takes.