Best Credit card deal
You must have heard people say – ‘I got a good credit card deal’. So if you happen to be looking for a credit card at that moment, do you just go with what your friend has told you as a good credit card deal?
Let’s check what one can term as a good credit card deal. A credit card deal is good if it works for you.
So, if the credit card fits into your lifestyle in a way that rakes in maximum benefits for you, that is a good credit card deal.
The most important thing to realize here is the word ‘your’ as in ‘your lifestyle’. So logically speaking there is nothing like a good credit card deal.
What it is – is good credit card deal for ‘you’ i.e. the individual who is going to use that credit card.
This is because the lifestyle and the needs differ from person to person (and that is precisely the reason why every credit card supplier offers so many different kinds of credit cards).
It might be true in some cases (where the lifestyle of two individuals/friends is similar) that the credit card deal which is good for one be good for the other too, however, this is just in a few cases.
You can always check with your friend who has recently got a credit card deal, since that might cut down the time needed for researching/hunting-for a good credit card deal.
However, it’s really a matter of evaluating your own needs. If you travel a lot and to far off places by air, a card that offers you good rewards/rebates/benefits on travel would comprise a good credit card deal.
Sometimes the airlines themselves have their own credit card issuing/supplying company from where you can get a good credit card deal.
For people shopping at a particular retail store or a shop, a good credit card deal would be a card that offers discounts, rebates and rewards on shopping.
Again, the retail stores themselves might have credit cards on offer that could be beneficial to you. Then there are credit card deals that are linked to gasoline stores or big grocery chains.
If you don’t have any specific needs, you might use a general purpose credit card that gives reward points on every purchase you make on your credit card.
These points can then be redeemed for cash/rewards. Hence, this card could become a good credit card deal for you.
Good, for credit card deals, is really a relative term and there is no credit card deal which is equally good for all.
Best Credit Card Offer When Traveling
Statistics show that women are now getting closer to becoming financially independent; they now enjoy the benefits of spending their own money in whatever way they want to spend it.
Thanks to the benefits that credit cards can bring nowadays as far as finances are concerned.
Some people know them better as financial freedom cards.
With the fast-paced lifestyle that people have these days, the utilization of credit cards seems to have a great impact on the financial status of every individual.
In fact, with the proliferation of credit cards in the market today, more and more people are applying to obtain a credit card for their own use.
No wonder that credit card growth is skyrocketing, with more than 80% of American household owning at least one credit card.
Given these facts, credit card companies dominate the market today. With many hundreds of credit card offers being advertised in print and broadcast media, people are sometimes confused which credit card could work best for them.
With so many credit card offers available in the market today, choosing the best credit card can be really tricky. Almost anywhere you look, credit card companies will load you up with freebies and benefits galore when you apply for their card.
Most of the credit card offers are so tempting that many people are encouraged or enticed to obtain a credit card even if their lifestyle will not permit them. Some people will apply even if they do not need a card at all.
However, with these tempting credit card offers, choosing the right card is the best thing that you can do to ensure that you get the card that meets every need when traveling.
If you are considering any credit card offers, now is the time for you to learn how to choose the best. Here are some ideas to help you:
1. Do your homework
Know more about credit cards. Try to learn more about the credit limits, annual percentage rate, and charges that go with every package.
Keep in mind that there are credit card offers that are bundled with some tricky credit card charges. What is the late or penalty fee?
Is there a grace period to pay the charges?
Is there a statement charge per month?
Be aware when considering some of these options because otherwise you will never know what charges have hit, until you have made an inadvertent mistake with your card.
As they say, a well-informed decision is a smart decision.
2. Know the offers
The other advantages of having an international credit card instead of hard cash? Some credit cards allow billing in local currencies.
As in the regular use of credit cards, charges made during your trip abroad allow for a more flexible payment schedule.
You do not have to fork over paper money to that shoe store sales clerk in Bangkok right away, for instance. In some cases, you can even pay in installments for your charges.
However, not all credit cards can give you this kind of benefit. So, if you often need this kind of advantage, try to look for a card that can provide this service in their credit card offer.
3. Customer support
When evaluating credit card offers, do not just be concerned with the freebies, low interest rates, and other incredible credit card perks. Whenever possible, opt for those that can give you 24 hour a day, 7 day a week customer service.
Some credit cards can offer you this. When you travel abroad, you do not have to wait for regular business hours in the United States to get help.
Many credit card companies offer 24/7 customer service. Make sure you know when you can get service, and how fast you can get a replacement card if yours is lost or stolen.
So the next time you receive a new credit card offer, remember to use these tips. Go for the best experience when traveling by choosing a credit card that meets your needs.
Thinking About Getting A Credit Card? Consider Asking These Questions Before You Commit Yourself!
Maybe you’re looking to get your first credit card or shopping around for a new one. Before you lock yourself into a particular credit card make sure you get the answers to these questions first!
1. What is the interest rate?
Make sure you find out what the interest rate will be for the credit card you’re considering. The lower your interest rate the better it is for you if there is a balance on your credit card.
So find out this information up front. If the interest rate quoted is higher, keep looking for a credit card company that will give you a good rate. Of course, the key to getting a lower interest rate is your overall credit.
By the way, beware of teaser low introductory rates that a prospective creditor may offer you to sign up for their credit card.
Make sure to ask them if you will continue to get this low rate for a long period of time and not for just a month or two.
You will find that if you get reeled into getting a credit card with a low introductory rate, your interest rate may increase significantly later!
2. How will my credit card balance be calculated?
Most creditors use an average daily balance to arrive at the balance for your credit card. This would include any new purchases charged to the credit card less payments and credits applied.
3. If I pay late on my credit card is there a charge and if so how much?
It is important to find out if your credit card company will charge you a late fee and if so how much? You could pay up to $20 or more in late fees if they are applied to your credit card balance.
Some credit card companies may charge you a late fee even if your payment arrives the day the payment is due but the wrong time of the day when payments are posted.
Your interest rate could also be increased if your payment is received late. This interest rate increase could be substantial if you carry a balance on your credit card.
4. Could you give me a better interest rate?
Find out if the credit card company will give you a better interest rate than the initial rate quoted. Let them know you’ve been shopping around and will consider going with the company that provides you with the lowest interest rate.
5. Will I be charged more interest if I don’t use my credit card?
If you only want to use your credit card for emergencies or certain types of purchases and don’t intend on using your card often, you’ll need the answer to this question.
Some credit card companies may increase your interest rate, charge you a fee or cancel your credit card if you don’t use their card very often or at all! If this is the case, you don’t need this credit card.
Do your research before you apply for that credit card and make sure that this card is beneficial to you! If it isn’t, then you don’t need to apply for that particular credit card.
Remember there’s lots of competition from prospective credit card companies for your business, make them earn it!
Applying For A Major Credit Card Even Without Prior History
Credit cards are used in almost all day-to-day transactions nowadays. From buying milk to getting a nose job, credit cards are the currency of modern times.
Although far from totally replacing real money, a credit card is necessary in order for you to have a place in today’s trade and commerce.
Applying for a credit card is typically easy; but in some cases, it is much like getting a camel pass through a needle head.
Applying for a major credit card without prior experience or credit history makes obtaining one a far more difficult process.
A credit history is needed to measure your capability to pay amounts owed and it also allows the issuing company to provide you with a credit limit and payment plan that can best suit your lifestyle and personality.
The absence of a credit history will almost make companies balk at the idea of giving you a credit card; on the other hand, if you are not issued a credit card, there is no way that you can have a credit history.
Before this whole issue looks more like a chicken-and-egg debate, here are honest tips that can help you apply for a credit card while you still do not have a credit history.
Explore Other Credit Options
Most of the time, the major credit card companies are the ones who give people without credit history a hard time in applying for a credit card.
It is therefore incumbent upon you to look for other credit card options through which you can build your credit history.
Usually, smaller companies offer more leniencies to people who do not yet have credit card history.
Entities like department stores and gas stations issue credit cards with small credit limits. If you are issued a credit card from smaller companies,
always remember that your goal is to eventually obtain credit cards issued by major international companies, so make it a point to build an impressive credit history by paying your obligations to smaller credit card companies.
Credit Cards Issued By Unions
Being a member of some credit union has its benefits as this type of union issues credit cards to their members. Hence, as a member, or as someone who is qualified to join a credit union,
you can take advantage of getting your first ever credit card on which you can build on your credit card history. While obtaining a credit union card can be fairly easy for members,
it does not mean that the union gives out its cards blindly. Again, make it a point to pay your debts on time.
Try Secured Credit Cards
Go look for moneylenders who are ready to issue a credit card that has a credit limit amount equal to or a little higher than the cash you have deposited in their favor as security.
You may think that this setup is like cooking you in your own fat, but the fact is you need to build your credit history, and if there are no other avenues to do that, secured credit cards are the way to go.
Eventually, these types of moneylenders will increase your credit limit without asking you to deposit more cash security.
After you have gained an acceptable credit record, you may be qualified to apply for credit cards from major issuing companies.
Truly, the way to apply for a credit card from major credit card companies is by having a good credit history. After you have gone through the different options mentioned above,
look for a credit card institution that will evaluate your overall credit history and financial status; and just maybe, you will have your first credit card from a major company.
Best Credit Card Deals
No matter where you search on the Internet today there are several advertisements for the best credit card deals. Some that offer low interest rates while others offer no payments for a year.
With so many credit cards available the best credit card deals are usually the ones that are offering incentives as well such as reward points, or air miles, anything of that nature.
However with the best credit cards available in such abundance it is actually rather hard to choose which one to go with.
The best credit card values depend solely on what the credit card company has to offer so basically read the terms and the agreements and you should be able to come up with the best credit card deals.
If you own a company or a small business then obviously the best credit card deals for you would be those referenced for business.
And these can be found simply by doing a search on the Internet. A note to the wise however, some of the best credit card deals have a catch so read up on them thoroughly.
Although, some of the best credit card deals actually come to your mailbox, offering different types secured, unsecured, or prepaid. In any case the best credit card deals are out there, you don’t even have to look very hard for them.
In fact, another way to find out about the best credit card deals is through your email address, quite often credit card companies will send offers via the email account that you have placed on one advertising site or another.
If you aren’t sure which credit card company has the best credit card deals then do a little research on the background of the company, compare different credit cards, believe me they are in abundance and used a lot today.
In all reality, the best credit card deals are those with low interest rates or fixed interest rates, those that offer points or cash back when you use the credit card, or those that are offered with minimal fees and requirements.
Nine times out of ten you will find the best credit card deals on the Internet through a search of some kind, whether you look up the actual name of a credit card provider or simply search unsecured or secured.
Whatever your preference may be, the best credit cards will be listed among the results, however as previously stated, compare a few of the results to actually find the best credit card deal that suits your finances and your needs.
In most cases some of the best credit card deals even offer two credit cards one for you and one for you domestic partner, whichever the case may be.
Ultimately, the best credit card deals are out there just waiting for people to sign up for them. After the initial application is done,
then if you are approved for whichever type of the best credit card deal you could find, then you should receive your credit card and after activation you will be using the plastic in no time.
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