It can still be tricky to find (and comb through) a Schumer Box. Here are five things that you need to watch out for when you're applying for a new credit card. We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. Find the Schumer Box While credit card issuers are required to make a Schumer Box available to applicants, some have taken almost a "Where's Waldo" approach to hiding the link to it on their websites.