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Your Guide On Choosing a Credit Card To Suit You
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. 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. Article Source: http://EzineArticles.com/?expert=Wesley_Atkins
Monday, 16 February 2009
Best Credit Cards For Students
If you are student-young or old, full- or part-time, at home or in another state-the last thing you need added to your educational efforts are financial worries and credit card problems. Today there are any number of special "student credit cards" whose arrays of benefits are intended to simplify your budgeting and payments, as well as assist you in establishing a good credit record. As with many consumer-level credit cards, there are introductory rates and balance transfer options that make starting up easy and relatively painless. If you handle everything well while you are in school, you can look forward to graduating with a good credit record. This makes it much easier to get a car loan with a good interest rate, and be approved for mortgages later on. However, a main selling point for the best student credit cards is the range of services, the convenience and the valuable rewards that the lenders offer to you while you're still in school.
Student credit cards offer real flexibility
Some of the first student-specific credit offers were a little light on benefits. The Discover Student Clear Card is a true heavyweight offering, with zero interest for 6 months, no annual fee, a 5% cashback bonus on certain purchases and a 1% bonus on all card purchases. In addition, redeeming your points with certain select corporate "partners" gets you double value.
You can qualify for the Universal Entertainment Student MasterCard just by being enrolled at an accredited four-year college or university. The zero interest introductory rate is good for 6 months on all purchases and balance transfers, and you also earn Universal reward points with every purchase. These points are then redeemed for free CDs, DVDs, movie tickets and more. Having no annual fee, and a 20-day grace period for payments, are just additional reasons to consider the Universal card for students.
Student cards that grow with you
One student-oriented card that can grow with your changing needs is the Citi Platinum Select Card for College Students. There is the usual zero interest introductory period on purchases, balance transfers and cash advances (6 months) as well as Citi's renowned identity theft protection. With no minimum income or co-signer required, no annual fee and free online account management (with expert assistance), this is a card that can serve you well right away, while allowing you to build a credit history for later.
The Citi offer does not include a balance transfer option, inasmuch as it is geared toward first-time cardholders. However, it and other card like it are a good way to start a credit history, and can grow with you as you finish school and start working and building a family. With so many different offerings being right for so many different students, it is impossible to say which credit cards are the best for any one student or group of students. However, since you are already in the habit of studying, just get the facts together and review them. You will make a winning decision in no time.
After founding his first security firm in 1990, Scott McQuarrie built several security-related companies into regional and national powerhouses over the ensuing years. Since 2000 he has focused his sales and marketing efforts on the Internet, which opened up a virtually unlimited, international market for his flagship product line, EZWatch Pro.
The EZWatch Pro brand has come to stand for world-class expertise in electronic security, video surveillance and the myriad technologies involved in both fields. From small houses to gigantic international airports, there is an EZWatch Pro solution to meet any and every residential, business, commercial and government security challenge.
Article Source: http://EzineArticles.com/?expert=Scott_McQuarrie
Student credit cards offer real flexibility
Some of the first student-specific credit offers were a little light on benefits. The Discover Student Clear Card is a true heavyweight offering, with zero interest for 6 months, no annual fee, a 5% cashback bonus on certain purchases and a 1% bonus on all card purchases. In addition, redeeming your points with certain select corporate "partners" gets you double value.
You can qualify for the Universal Entertainment Student MasterCard just by being enrolled at an accredited four-year college or university. The zero interest introductory rate is good for 6 months on all purchases and balance transfers, and you also earn Universal reward points with every purchase. These points are then redeemed for free CDs, DVDs, movie tickets and more. Having no annual fee, and a 20-day grace period for payments, are just additional reasons to consider the Universal card for students.
Student cards that grow with you
One student-oriented card that can grow with your changing needs is the Citi Platinum Select Card for College Students. There is the usual zero interest introductory period on purchases, balance transfers and cash advances (6 months) as well as Citi's renowned identity theft protection. With no minimum income or co-signer required, no annual fee and free online account management (with expert assistance), this is a card that can serve you well right away, while allowing you to build a credit history for later.
The Citi offer does not include a balance transfer option, inasmuch as it is geared toward first-time cardholders. However, it and other card like it are a good way to start a credit history, and can grow with you as you finish school and start working and building a family. With so many different offerings being right for so many different students, it is impossible to say which credit cards are the best for any one student or group of students. However, since you are already in the habit of studying, just get the facts together and review them. You will make a winning decision in no time.
After founding his first security firm in 1990, Scott McQuarrie built several security-related companies into regional and national powerhouses over the ensuing years. Since 2000 he has focused his sales and marketing efforts on the Internet, which opened up a virtually unlimited, international market for his flagship product line, EZWatch Pro.
The EZWatch Pro brand has come to stand for world-class expertise in electronic security, video surveillance and the myriad technologies involved in both fields. From small houses to gigantic international airports, there is an EZWatch Pro solution to meet any and every residential, business, commercial and government security challenge.
Article Source: http://EzineArticles.com/?expert=Scott_McQuarrie
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