CREDIT CARD DEBT

Finding the Right Credit Card

FREE ARTICLES

All articles on this site are Published & Distributed
by Dunway Enterprises

Finding the Right Credit Card

There are so many credit cards out there to choose from that deciding which one to get can feel really daunting. What makes one offer better than the hundreds of others youíve seen?

Take this little quiz to find out what you should look for in a card.

  • First, Are You a Student?

If you are, then youíll be best off with a student card - youíll probably have trouble getting accepted for anything else. It would be best to contact the bank where you have your student account before you do anything else.

  • Do You Have a Balance to Transfer?

If you do, then you need to be looking for a card with a low APR on balance transfers - preferably one that stays low for more than a few months, unless you intend to switch often.

  • Are You Planning to Make New Purchases?

If so, then pay more attention to the APR for purchases, which is usually entirely different to the one for balance transfers. You should also look at what kind of grace period different cards offer, so you donít end up paying interest on your purchases straight away.

  • Do You Pay Off Your Balance In Full Every Month?

If you have a lot of money or you only keep a credit card for emergencies, then you might just pay it all off each time you get the bill. If you do, then youíre in a position where you obviously donít need to worry about the interest rate much at all, since you wonít be paying any interest (make sure thereís a grace period, though).

Many people donít realize, but the credit card company still makes money from you even if you pay no interest - the money shops pay to be able to accept credit cards. The credit card companies want to give you some kind of reward for letting them make this money without causing them any trouble, and you basically have a choice of three things:

[1] Get cash back. For always paying everything off, theyíre quite willing to throw a few dollars your way. If you spend much with the card, this can add up to a tidy sum.

[2] Take vouchers. You might, for example, be able to earn points as you spend that get you money off flights, or other rewards.

[3] Give it away. If thereís a charity or other cause you support, the chances are that you can donate money to them using an affinity card. This is a credit card that gives a very small percentage of each transaction to your chosen cause, and over time it adds up to a pretty decent donation for them.

Take Your TimeÖ

Donít let anyone pressure you into making a decision before youíre ready. Any offer that says itís for a limited time only is one you should ignore, as thereís no reason to do it other than as a sales tactic.

Think hard about your spending habits and what you want the card for, consider all the options you can find and then, once youíre sure, go for it.

Published by Dunway Enterprises

MAIN FREE ARTICLES INDEX

MAIN INDEX - ARTICLES LISTING
Average 10 articles per category

Recommend this site to a Friend

FREE GIFTS CLICK HERE

CLICKBANK

ClickBank the best way to complete a digital sale.

IF YOU CAN'T FIND THE INFORMATION OR PRODUCT
THAT YOUR LOOKING FOR - CHECK OUT THE CLICKBANK CATALOGUE
Over 10,000 + Products to Choose From!

If you're into Niche Resale Rights Products then check out my ebooks site
which has 120 + different ebook packages and still growing.

The Ultimate Recipe Collection [Cook Books]
CURRENTLY [57] DIFFERENT RECIPE E-BOOKS
CLICK HERE TO VIEW THE LIST

I'VE ALSO JUST FINISHED A SITE TOTALLY DEVOTED TO ...
'MASTER RESALE RIGHTS PRODUCTS'
CURRENTLY 83 DIFFERENT PACKAGES
DROP ON BY & HAVE A LOOK

Mail Order Products
Ebooks - Books - Software - CD's - Reports - Videos & Business Opportunities

Dunway Enterprises || Dunway Sitemap || Sub Domains Index

WebMaster & Site Design by Ken Dunn

Dunway's Network of Joint Venture Sites

CLICK HERE TO SEND MAIL

Disclaimer | Privacy Policy | Terms Of Use

Copyright [c] Dunway Enterprises

ALL RIGHTS RESERVED

Tom Azzara - Newsletter & Book
Tax Havens of the World

Master Resale Rights - Resell & Distribution Rights!

CREDIT CARD DEBT