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Building Credit History
Building your credit history is important in today's time, especially since the laws are changing. We are moving into a system that is making it difficult for us to get ahead unless we have excellent, or at most good credit history.
Credit is...
Credit Repair Made Easy - Erase Bad Credit And Establish AAA-1 Credit Fast
Credit is used every day by millions of people yet most do not
have a clear understanding of how the credit reporting system
operates. Most people only know that they can flip out a credit
card and purchase what they want and pay for it some time...
How Can Your Credit History Affect Your Life?
Your credit history is an important aspect of your life. Maintaining your credit rating is very important to your future and to your lifestyle. A poor credit history can mean denial of credit, high interest rates, and could possibly affect your...
Simple Steps for Getting Out of Credit Card Debt
How to Get Out of Credit Card Debt
With the number of credit card offers that the average American
home receives every year, and the fact that the average American
is about $8000 in credit card debt, it is not difficult to see
how quickly...
Various Types of Credit Cards - Part 2
Copyright 2005 Gibble LLC
Several different types of credit cards offer several different options, depending on what your needs are. Some are geared toward individual consumers while others are set up in ways that work best for small business...
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Choosing a Credit Card
Everyone has different needs when it comes to choosing a credit card. If you pay off your monthly bill in full on a regular basis, for instance, you’ll want a different kind of credit card than someone who keeps a balance every month. Or, if you collect some sort of points, you may want a card that helps you gather more, faster, with every purchase. This article will discuss the different things to think about when trying to decide which credit card to apply for.
Choosing a Credit Card: Fees
One of the most important and first thought of issues with getting a credit card is fees. Fees can include not only the annual fee, but the interest rate charged on any balance you carry, any late fees, and ‘other’ fees that a credit card company may charge.
If you are able to pay your full balance every month (as is highly recommended by the experts), you’ll be better off with a no annual fee card. However, if you are like most people, and plan on carrying a monthly balance, instead you’ll want to look for a card that offers an extended low interest rate. Also, find out how long the low interest rate is valid for; many of these credit card rates are merely teasers, and expire after a couple of months.
It’s very important while comparing credit card companies that you look closely at how interest is charged, not just the rate it’s charged at. For instance, it’s a big financial difference if interest is charged on the average daily balance of the last month, than if it’s charged daily based on the going interest rate. Read the fine print here, since it’ll pay off in spades, later.
And don’t forget the fine print with the ‘other’ fees – these can add up quickly. Does the credit card company charge when you take a cash advance, for instance?
Choosing a Credit Card: Acceptance
Where your potential credit card is accepted can make a world of difference when shopping around. If you travel extensively, then this is of the utmost importance – maybe even more important than fees, because if you can’t use your card, what’s the point in having it? Mastercard and Visa are the most widely known credit cards at the moment in North America, with American Express a distant third. Any others you’ll want to do some heavy research on to make sure where you want to use it, you can.
Choosing a Credit Card: Perks
Frequent flyer points and bonuses at local stores are both regular perks available with many credit cards today. If these options are important to you, make sure to research their dollar value in reference to the other bits and pieces as well, and compare them alongside each other.
Choosing a Credit Card: Credit Limit
Finally, your credit limit is something to look at when deciding on a card. Usually this step is easy, because it is decided by the credit card company, and not yourself. Just make sure that you aren’t getting too high of a limit, because as you well know, it’s difficult to dig your way out of too much debt.
About the Author
For more more information about credit cards please visit http://www.moneytipsdaily.com/Money-Tips/As-Total-Credit-Card-Debt-Surpasses-2-Trillion,a-Free-Software-Tool-Shows-Consumers-the-Quickest-Way.html
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
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| Springboard - Non-Profit Consumer Credit Management |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
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| Credit - Wikipedia, the free encyclopedia |
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| Credit (finance) - Wikipedia, the free encyclopedia |
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| The National Foundation for Credit Counseling |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| The Credit Card Prank |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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