Compare And Select The Best Credit Cards
Credit cards are more like necessities nowadays. Through the well-designed and attractive plastic cards,
you can do almost all paying transactions. You could pay your utility bills, pay your shopping bills and order online good using the reliable cards.
People have been enjoying cashless transactions for some time now. Instead of bringing cash when going to buy something, people need not go to ATM machines to withdraw money. There is no need to fill wallets with money bills.
You could easily take off anywhere, anytime with your credit card. What’s more, you could actually use the cards even if you are shopping abroad.
The world is truly becoming globally united, and credit card transactions are helping attain that long-time goal of people.
Credit cards are important cards and almost all people now aim to own one. However, there are lots of horror stories that are circulating about the problems and constraints of using credit cards.
Often, credit card users are complaining of excessive bill statements and uncontrolled accumulation of debt.
If you are aiming to own one, you must first assess yourself and make sure that you intend to use the cards responsibly. Otherwise, you would be among those numerous people who are having problems about bills and due dates.
Because almost all people are swooning to own credit cards, the number of credit card issuers is on the rise. Competition nowadays is really becoming more intense because of the influx of credit card applications.
It can be a good thing to credit card applicants, because as a result of the ever-growing credit card market, credit card issuers are offering best rates and best terms.
Perhaps, people now are becoming wiser when it comes to credit card applications. Trends and market analyses show that credit card applicants are now more discerning and are more careful in picking up credit card products from many credit card companies.
Indeed, credit card applicants nowadays are literally making comparison shops, meaning, they are now making effective and thorough comparison before they finally fill up forms and lodge applications.
And there are practical reasons for them to do so. Of course, good credit cards can offer so much more and could extend several more transaction benefits. If you are aiming to file a credit card application, be wise and choose the best credit cards for you.
Tips in selecting the best credit card
When you buy something, you always aim to buy the best. When you pay for a service, of course, it is human nature that you would only settle with the best.
In credit card selection, most people select the biggest names in credit card issuance not because of the popularity, but because the giant credit card firms are offering the best terms and services there is in the market.
However, several people, especially those who are new to credit card applications, make the mistake of getting credit cards from untrusted and bad credit card firms.
The result: they often complain about high interest rates, limited coverage and too many additional and provisional charges.
Be informed that that there are also small credit card firms that are very competitive and are offering better credit card services in a bid to gain greater foothold in the ever-expanding credit card market.
If you are not very exposed to credit card applications, here are some simple guidelines that would surely help in getting the best credit cards the market has to offer.
Before filing credit card applications, collect and select. That means, you must first do a simple research. Get quotes from different credit card firms and compare their interest rates and charges.
Also make sure you check the terms and conditions of membership as well as the provisions and potential penalties. By doing a simple comparison shop, you could easily determine which credit card is best foe you.
Usually, giant credit card companies offer the best credit card products, but there is also a number of minor and startup firms that are very much competitive. Select the best and do not limit your choices to just the biggest credit card firms.
Ask your bank if they are offering credit card products. Having a credit card from the lender where you have an existing account can be at your own advantage.
For example, you could easily transfer funds and pay your credit card bills through your normal ATM or banking transaction.
Moreover, always aim for the best so you could prevent having credit card problems in the future.
Choosing the Best Low Interest Rate Credit Cards
In the age of plastic money, everyone is trying to cash in on the best credits provided by banks – which makes credit cards a buzzword today.
But the interest rates on these credit cards make people wary of using them. It is therefore, very important to find low interest credit cards. There are various options available in the market and we will help you choose low interest rate credit cards and cheap credit cards.
Low Interest Credit Cards
With banks heavily commercializing the credit card, there have been a plentitude of low interest credit cards. Many banks provide zero percent APR (Annual Percentage Rate)
on balance transfers and purchases made during the first 12 months. These credit cards offer you safe, secure, and free online transactions and account management tools.
Many credit cards offer cash back on purchases made by you. You just have to find the best percentage of cash back.
You will also get some points when you buy purchase things like a new car, an SUV or perhaps a Sedan. The benefits do not end here as you also may be exempted from the annual fees. Last but not the least; you may get excellent credits along with all these extra facilities.
Many a times, you get rewards and prizes if you meet certain norms. This is how the low interest credit cards have really clicked with the populace.
Making Low Interest Rate Credit Cards Work for You
If you are unable to pay off your card in full every month and you are worried about the increasing debts every month, then the low interest rate credit cards are just what you wanted.
As compared to the other credit cards that charge 16 to 18 percent, these cards will charge you around 5 to 9 percent interest. You can easily save $400 in the very first year on a revolving card of $4000 balance.
Cheap credit cards that offer low interest rates are advertised prominently, but these ads fail to provide one important piece of information.
Only a small number of people qualify for credit cards with low interest rates. If you are among the high credit rating group with high salary then you can expect to get lucky and avail of these credit cards with low interests.
When opting for such a credit card one should make sure that the annual fee or its APR is zero. In fact, you should insist on getting zero APR. Most of the fake card companies may ask you for $50 to $100 annual fee.
How Can You Save Money With Low Interest Rate Credit Cards?
Often, you will see that the credit card companies provide low interest rates on a credit card as an introductory offer.
But this lasts for a very short period, that spans to 6 months max. Then, the interest rate goes high and the low introductory rate quickly disappears.
The rates charged by these companies may seem lucrative in the beginning but later, it becomes a burden as the interest increases.
Low interest rate credit cards come to your rescue when you want to pay back the money before the introductory offer expires.
The credit card with low APR plays a vital role in saving your money. Also, keep in mind that if the introductory rate jumps from 0 straight to 15 percent then it is not the right card for you. You just have to ignore such an interest rate and the credit card of course!
In some situations, high interest credit cards can be the best credit card when you plan to own it for an extended period of time.
When you choose a fixed low APR credit card or a cheap credit card, you will know what your interest rates are going to be.
Low interest credit cards are therefore the best options as they provide the best service with low interest and rewards on purchases made by you.
Finding The Best Gas Reward Credit Card
Only three things are certain in life – death, taxes, and rising gas prices. Reducing household expenses can be easy enough.
Just make do without certain things that you do not need. Reducing gas expenses, on the other hand, can be a little more complicated.
Your car will always require the same amount of gas to run and you can’t change that, unless you walk, commute, or ride a bike. Inviting as these alternatives might be, it defeats the purpose of having a car in the first place.
Because of stiff competition, credit card companies have collaborated with gas stations to come up with the best gas reward credit card.
The best gas reward credit cards on the market today are forever competing to come up with the best incentives for consumers.
By choosing the best gas reward credit card most suited to your lifestyle, you can reduce the costs of your gas expenses considerably.
Match Made in Heaven
The best gas reward credit cards allow consumers to accumulate points for every gas purchase they charge in certain gas stations.
This is a partnership that is beneficial to both the credit card and gas companies. Affiliate gas companies pay credit card providers what we call merchant charges for the use of credit card facilities.
And since the best gas reward credit cards are specific to certain gas brands, gas companies gain the advantage of being set apart from the competition.
As a consumer, you benefit every time you use the best gas reward credit cards. You earn points simply by frequently charging your gas purchases in affiliate gas. Once you have reached a certain point threshold, you are rewarded with free gas.
Make Your Credit Card Work for You
Many credit cards claim to be the best gas reward credit card. Before settling on a specific credit card, however, research your options and find the best gas reward credit card that fits your needs.
Remember that the best gas reward credit cards only award points for gas purchases made in affiliate gas stations. If you have a specific gas brand of choice, it is best to apply for the best gas reward credit card it is affiliated to.
If sticking to one gas brand does not appeal to you, however, there are also gas credit cards that allow you to earn points from any station, like the Chase PerfectCard Mastercard and the Discover Gas Card.
Apart from earning points for gas purchases, the best gas reward credit cards also offer other perks to consumers.
Some of the best gas reward credit cards offer a 0% annual percentage rate, or APR, on purchases and balance transfers for an introductory first year. Cards of this type include the Chase Freedom Cash Visa Card and Chase BP Visa Rewards Card.
Another feature common among the best gas reward credit cards is the ability to earn rebates when used in restaurants, retailers, drugstores, and supermarkets.
Cards like the Citibank Drivers Edge Platinum Select Card and Blue Cash from American Express let you do this.
There are even gas credit cards that earn points not only with gas companies, but also with most leading car manufacturers throughout the world. Examples of these cards are Volkswagen Platinum Visa, Chase Subaru Mastercard, and GM Flexible Earnings Card.
With the variety of privileges offered by credit card companies, no credit card can singularly lay claim to being the best gas reward credit card.
Compare and find out which one can save you the most money. Finally, choose not only the best gas reward credit, but the one that gives you the best value for the long gas-ups ahead.
Timely Information Concerning Good Credit Card Options
Consumers looking to get the best possible options for their credit card should first look into the terms associated with that card.
There are a lot of different features that you can get with credit cards including low APR, rewards, no annual fees, and several other perks designed to keep you using your credit card. There are a few credit cards that you can choose from that give you a variety of different options.
There are credit cards with instant approval, credit cards with low interest rates; cash back credit cards, reward credit cards, prepaid credit cards and more. If you have great credit, you will not have a problem getting nearly any type of credit card you choose.
Most people think the best options with credit cards are the rewards. Reward credit cards are good to have, since they give you extra incentives for the money you spend.
Whether you get cash back, or points to redeem towards thousands of products, cash back cards make it worth your time, money and interest to use your credit card.
Cash back cards are very popular because they offer you features that other types of credit cards usually do not offer.
Still another great option for credit cards is low APR (annual percentage rate). Your APR is the amount of money that you pay yearly for use of your credit card. If you manage to get a credit card with low APR and low fees, you should keep that card.
To get the best options for your credit card, you should compare what each company or bank has to offer. Most options found on credit cards vary from company to company and bank to bank.
If you have access to the Internet, you may want to use it to find yourself the best possible credit card deal. There are hundreds of credit card offers found on the Internet, many of which offer truly great options.
Before you decide to choose your credit card, you should determine what options are best for you. That way, you will know exactly what to search for when selecting a credit card.
The better credit cards will include several options, such as low APR, low fees, and rewards. These credit cards are your best investment, and they give you a lot of purchasing power.
If you are discerning and look for the right credit card, you will get the options you desire and a credit card that you will be proud to use.
How to Find the Best Credit Cards
Finding the best credit cards in today’s world can be a bit challenging. Although you may receive hundreds of credit card applications in your mailbox each year,
not all of them are worth your time and energy. To find the best credit cards, you should use a general checklist when examining each application.
By using this checklist you can guarantee that you know exactly what type of credit card you are applying for and what to expect after you are approved.
Fees
Many people sign up for credit cards without realizing they may be overlooking hidden charges. Credit card companies have the right to charge new cardholders a one-time enrollment fee. This fee can cost as much as $40 in some cases.
Most of the time this fee is only explained in the tiny print on the back of the application. With most applicants neglecting to read all of the print, they never know about the fee until the first bill arrives.
Another fee that many credit card companies charge is a monthly or yearly cardholder fee.
This fee is one that is automatically charged to your credit card each month or year. It is in addition to any finance charges and other fees.
It is simply a fee that you pay to have the credit card. Even if you do not make any charges for the entire year, you will still be charged this fee.
The best credit cards available are those that have no fees. These “no fee” credit cards can be found if you look and read the applications carefully. Many credit card companies are even beginning to advertise themselves as being “no fee” companies.
There is no reason you should pay unnecessary fees when you can get other the best credit cards without fees. So, be sure you are reading the fine print and asking questions before you get a new credit card.
Interest Rates
Anyone who has ever had a credit card knows about interest rates. The best credit cards are those that have a low interest rate.
Many credit cards will charge up to 21% interest on all purchases. This makes it very difficult for many cardholders to ever pay off their credit cards.
The best credit cards have interest rates lower than 15%. Some credit cards will even allow you a lower interest or no interest on purchases paid off in less than 30 days. It can certainly be to your advantage to use these options some of the best credit cards offer.
If you want to try to get your interest rate lowered, simply call your credit card company and request a rate change. If you have been a good cardholder then companies with the best credit cards will take your request seriously.
Remember, the best credit cards are not necessary those with the highest spending limit. There are other behind the scenes factors you should certainly consider.
Hidden fees and high interest rates can haunt you and your credit for years. Be sure to check these things out before even applying for a new credit card. You will be glad you researched the best credit cards and your pocketbook will be glad as well.
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