Credit cards change, and these changes could have a large financial impact on you. Many people make the mistake of reading only the statement from the company and paying no mind to the changes in provisions. These are usually contained in other materials attached to the statement sent to you by your credit card company. Some people also have the assumption that rates don’t change and the terms and conditions that the company and the cardholder had initially agreed on will never be disadvantageous to the cardholder.