Drug testing

Top 7 Factors to Consider While Reviewing Credit Card Offers

Credit cards have migrated from being hip or convenience product into a must have entity for everybody. Shopping Online you need a credit card. Wanna book a weekend rental you need a valid card to pick one. In order to register as a valid seller in many online sites you need a card. Like this the credit cards have evolved from being just convenience items into something you got to have or you will be denied many services. There is a lot of money being made by the credit card industry. Everything you buy has a credit card fee attached to it. If you pay by cash you still paying those fees since the merchants don't offer a discount for cash or check payments. They are willing to pay the 2-3% charge to the credit card companies than give it back to you. If you are not using a credit card as your main payment method and enjoying the convenience it offers you are paying for nothing.

The cards come now-a-days not just loaded with a variety of features but they also come in many shapes and colors. Have you seen the new discover cards? Well let's take a look at the important features you should evaluate the credit cards against.

1. The credit limit: This is the amount you are allowed to spend using the card. Be careful while choosing the right amount. This is important in two angles; the first is how much purchasing power you are willing to guarantee to pay back. The other is what your spending style is. Many folks don't know that reaching close to your credit limit is not good for your credit history. Are you a responsible person and wanted to keep the limit low but you use up 90% and constantly pay every month? You may want to increase your limit so that your credit score is not affected by this usage pattern.

2. APR: This is the interest rate you have to pay for the amount you owe in the credit card. Obviously look for the best rate you can get. Regularly contact the customer service to bring down the APR. These companies increase it regularly; you should contact to keep it at the same rate.

3. Annual fees: This should be zero.

4. Online payment option and activity checking: You should choose the bank that offers a good and comprehensive online tool to check and evaluate your use. They should give you features like auto payment options. This is a lot useful as you will have a way to check the account usage. If you are planning on a shared card it is a must have to monitor.

5. Late Fee and additional charges: Although being late is bad, you will end up atleast once a year being late to pay the dues. You may want to make sure they don't add it to your credit history even for one late payment. And the fees! yeah check out the agreement.

6. Rewards and additional benefits: The current trend is offering cash back on purchases or points for purchasing with preferred vendors. This is free money as well it is a better way to save on the purchases you are anyway going to make. The additional benefits include insurance coverage, miles and more. Evaluate these carefully as they may be worthwhile.

7. Read about the reviews: Although you can evaluate the card by yourself, you may want to read about what others have to say about the card. It is these review sites that shed some light on the crappy customer service or the hidden charges. You should and must employ the many review websites to choose the best card that fits your need and lifestyle.

Don't forget those fraud protection capabilities that come with the card. You don't want to be stranded because someone misused your card and you are stuck in nowhere land without any money.

Here is one good website for credit card application and to read about the reviews. http://www.smartcardshopper.com

Author does freelancing through the no fee free freelance website freelancefree.com.

limousine chicago service
In The News:

Making Sense of the Information in Your Credit Report

If you've ever applied for a credit card or loan,... Read More

Avoiding Credit Card Traps

The next time you open your credit card statement, take... Read More

Opting For A Credit Card? Check Out Certain Terms

You've just received a "pre-approved" credit card offer in your... Read More

First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers

Under the Fair Debt Collection Practices Act, collectors are not... Read More

Free Credit Report ? Watch Out for Scams

Many people may still not be aware of an amendment... Read More

Have You Ever Opened a Checking Account?

Maybe some of you are saving it in your trusty... Read More

SuperCharged Secret 3, Credit Card Utopia

TURBO-CHARGED KILLER RATE SAVING INFORMATION!Let's just take a brief moment... Read More

What is the Check 21 Act?

Check 21 is the common name for the Check Clearing... Read More

The Next Person With Credit Problems Got Their First Credit Card Today!

One of the focus areas of my information is the... Read More

How to Order the Right Credit Reports to Repair Your Own Credit

In this week's article, I am going to offer some... Read More

Commercial Collections: Business Finance Booster Shot

Commercial collections: fixture of the new B2B cultureIf you're in... Read More

Rewards Cards - Are They Right For You?

Rewards cards have become the latest rage in the credit... Read More

Free Credit Reports: From The 3 Major Credit Bureaus!

Get your credit report online for FREE. Many financial advisors... Read More

Why Should You Use Credit Cards

Believe it or not, the way society, especially the commercial... Read More

10 Ways of Reducing the Risk of Identity Theft

1- Check your credit report regularly2- Secure personal information in... Read More

Free Credit Reports - How to Maintain Your Credit Profile

Maintaining your Credit ProfileEvery consumer should be maintaining their credit... Read More

Credit Scoring: What You Dont Know Can Hurt You

You've probably heard the term credit scoring. You may have... Read More

Repair Your Credit - The Right Way!

How to Repair a Bad Credit Rating?The Right Way!If you... Read More

Are You The Only One Using Your Name?

Identity theft has become an epidemic. Millions and millions of... Read More

14 Common Credit Mistakes

Establishing credit and wisely managing your credit becomes easier when... Read More

Maximizing Credit Card Rewards

We spend money every single day on many different types... Read More

Credit Reports Inside and Out

The Credit Report is like your scorecard in the lending... Read More

How to Evaluate and Raise Your Credit Score

Why do some people get offers for pre-approved credit cards... Read More

Student Credit Cards 101

Almost all students have and use student credit cards. Some... Read More

Types of Credit Cards

There are a whole variety of different types of credit... Read More

led manufacturing companies led street light fixtures Pete's produce ..