Your Guide On Choosing a Credit Card To Suit You.
?>
Download eBooks and Software
 Satellitedirect - Highest Converting Tv To PC Product
Don't Have A Website? Create A Money Making Website In Just Minutes For Free With Our Brand New Tool: Http://professionalcash.com/webtool
The World's #1 Lottery System For Lotto.
Ken Silver's Multi-million Silver Lotto System! 1 Minute Setup, Winning 9 Out Of Every 10 Games Since 1991. Affiliate Commission Now 75%! Earn Up To $243/sale. Low Refunds. Visit: www.lottoaffiliatecenter.com
Forex Trading Software Plug-in Averages 500 Pips A Month
Forex Plug-in Software Averaging 500 Pips A Month Since Oct. 2010. Ideal For Newbies, Simple Instructions W/6 Training Modules. Killer Conversion, Super Low Returns, Total Impulse Buy. Affiliates, Visit: Http://netpicks.com/odstaffiliate For More Info!
Ipad Video Lessons - Big Seller!
38 Million Ipads Sold... With No Ipad Instructions! That's Where You & I Come In. Works With Ipad & Ipad 2. Get Your Ipad Video Lessons Affiliate Tools... Http://ipadvideolessons.com/affiliate
Paleo Recipe Book - Brand New Paleo Cookbook
Brand New Paleo Diet Cookbook With Over 370 Recipes. Pays 70% Commission On This High-quality, Easy To Sell Product. Get Banners And Promotional Material At Http://paleorecipebook.com/affiliates.html
Articles Index >> Business & Finance
Your Guide On Choosing a Credit Card To Suit You
by Wes Atkins
Reach into your wallet or purse, pull out a card, swipe, and you’re done. It is very easy to use a credit card. The problem lies in choosing a card – and it has nothing to do with the picture on the front! Choosing a credit card that works best for you is vital to your credit rating. If you choose incorrectly, you may find yourself in deep debt trouble. Here is some basic, yet extremely important, information that will help you make the right choice.
Your Money Handling Habits
Choosing a credit card that is perfect for one person may be a dismal failure for you because your habits are different. When it comes to choosing your credit card, you need to look very closely and honestly at your habits.
For instance, do you typically carry a balance or do you pay off the card at the end of each month? If you answered “yes” then you will need to shop for:
A low Annual Percentage Rate (APR). The APR the interest rate you will pay on any outstanding balances each month. The higher the rate, the more you will pay in interest charges.
A fixed-low rate. This means that they will guarantee that your rate will stay low. Oftentimes, a company will offer a low introductory rate to get you signed up and then increase the rates drastically in 3, 6, or 9 months. The problem with a guaranteed rate is that an annual fee often accompanies it. You will need to decide if the lower interest rate guarantee is worth the cost of the annual fee.
If you will be paying off your card at the end of each month, you will not have to worry as much about a low APR since you will not be using it. And with no need for a guarantee, you may be able to avoid yearly fees. However, you will want to be sure to get a card with a grace period.
Grace Period: Be careful to get a card that allows you to pay off your bill at the end of the month with no finance charges. Those that don’t offer the standard grace period begin charging you interest the moment you make a purchase.
Cash Advance Fees: Be aware that most cards charge interest, and sometimes at a higher rate, for cash advances and this charge begins with no grace period even if your card offers a grace period for purchases.
You also need to decide how reliable you will be when it comes to paying on time and keeping yourself under the card limit. If you are often late paying your bills or often do not know how much credit you have left, you will want to watch out for transaction fees and other charges. Many card companies charge a late fee and an over-the-limit fee. These can be substantial. Your best bet is to pay on time and keep under the limit, however, finding a card with lower charges is a good idea.
Here is another important question to consider when looking at your money handling habits: Do you use the card rarely, occasionally, regularly, or frequently? Those that use their cards for just about everything instead of using cash or checks will want to look for credit card protection. This way, if you lose your card or it is stolen, you will not be responsible for any purchases made.
Finally, consider the different benefit programs that cards are offering.
Do you travel? Then consider a card with frequent travel miles as a reward. Or perhaps one that offers traveler’s insurance.
Do you use your card for large purchases like electronics? You may want to consider credit card insurance that will replace your equipment for a specified period of time if it breaks down or gets stolen.
Are you saving to buy a new car? There are cards that offer new car rebates.
Do you have a favorite charity? Many cards now support specific charities, universities, and organizations by paying the entity a specific amount with each purchase you make.
What matters most is to find the features that fit your pattern of spending and paying. Don’t get fooled by the gimmicks or the advertisements. Know your spending habits, look at the small print, and choose the card that is best for you. With all the different cards available, you will be able to find the right fit for you.
About The Author
Wesley Atkins is the owner of http://www.credit-cards-advisor.com- which aims to get you fitted with the best credit cards to suit your situation. With numerous credit card articles and easy online credit card applications you will never choose the wrong credit card again.
?>
News on Internet Marketing
Cyberset Distinguishes Itself from Other Internet Marketing Companies with Its Dedication to Personalized Service
LOS ANGELES, Feb. 3, 2012 /PRNewswire/ --Â As the private sector aims to further exploit the many benefits of e-commerce, more businesses are seeking high-quality Internet marketing services. For comprehensive ... Internet Marketing Company Reveals Results of the Poll, "Which Link Building Strategy Works Best For You?"
Internet Marketing Company (http://www.internetmarketingcompany.biz) Reveals Results of the Poll, "Which Link Building Strategy Works Best For You?"Los Angeles, CA (PRWEB) February 04, 2012 Internet Marketing Company, a search engine marketing company, announced today the results of the poll , "Which Link Building Strategy Works Best For You?" on the Facebook® platform. ... Internet Marketing Expert Cheryl Heppard Teaches Strategies to Attract Clients and Increase Profits
Host of Get Busy With Clients to lead monthly group coaching call for members on how to implement a strategic marketing plan that attracts clients and increases revenue.West Bloomfield, MI (PRWEB) February 08, 2012 Cheryl Heppard, business and marketing coach, will be leading a group coaching call for holistic practitioners, healing professionals, coaches and solopreneurs for members of her Get ... Internet Marketing Agency Command Partners Expands
Opens New Office, Announces New Services And WebsiteCharlotte, NC (PRWEB) February 09, 2012 This week, interactive marketing agency Command Partners launched its new website in addition to opening up a new office in south Charlotte. The firm is also adding new services as the boutique firm continues to grow.After adding six new people to the firm, Command Partners opened up a 2,036-square-foot ... People Polled on "What is the Best Link Building Strategy to Get a High Page Rank Website?"
Internet Marketing Company ( http://www.internetmarketingcompany.biz ) Reveals Results of the Poll, "In Your Opinion, What is the Best Link Building Strategy to Get a High Page Rank Website?" on the Facebook® Platform (PRWeb February 07, 2012) Read the full story at http://www.prweb.com/releases/seoservices/internetmarketingconsult/prweb9175836.htm An Internet Marketing Company With a Big Heart
Web Marketing Pros is Donating Internet Marketing Services to Outreach International(PRWEB) February 02, 2012 Jacksonville Beach, Florida based Web Marketing Pros is donating Internet marketing services to Outreach International, an organization which provides long-term investments to generate growth in marginalized regions and countries.“We will be giving Outreach International free Internet ... Audience Management and Internet Marketing
From March 22 to 23, 2012, the annual eTarget conference is taking place in Moscow. It is the premier event in Russia where businesses interested in online marketing and brand management can meet brand marketers and proven practitioners, learn and get inspired from detailed case studies. Local Lighthouse Changes How Internet Marketing and SEO Companies Do Business With the Introduction of New Online Portal
The Orange County based Internet Marketing and SEO Company, Local Lighthouse, has announced the arrival of its new online portal, PARC, making it easier for clients to assess the performance of their site. Through PARC, Local Lighthouse hopes to make search engine marketing more accessible and easier to understand for small businesses across the country.Tustin, CA (PRWEB) February 02, 2012 Local ... Blizzard Reservation Engine Expands Reach With NEW Escapia API
Blizzard Internet Marketing, Inc., developers of the Blizzard Reservation Engine (BRE), are proud to unveil a newly developed website for The Vacation Company of Hilton Head Island. The website features a booking engine with real-time integration with Escapia, a popular property management software used by vacation rental managers.Glenwood Springs, Colorado (PRWEB) February 07, 2012 The Colorado ... Paton Internet Marketing Recognized by Constant Contact’s Corporate Office
As a Pillar Trustee and a proven leader in the community, Todd Paton and Constant Contact have brought highly successful outcomes to Paton Marketing Clients. Paton Marketing was recently recognized by Constant Contact as an exemplary business partner. Paton Internet Marketing is a progressive leader in the field of Search Engine Optimization, Website Development, and [...]
|
