Best Credit Card Offers specially for you

About Us  |  Contact Us  |  Articles  |  News  |  Tips  |   Tools
ADVERTISER DISCLOSURE is an independent, advertising-supported web site which is compensated by the credit card issuers whose offers appear on the site. This compensation may impacts how and where the credit products appear on our site, including, the order in which they may appear within credit product lists. does not review or offer all available credit products.

5 Credit Card Mistakes Anyone Can Make

[Wednesday, August 31st, 2016]

You might consider yourself an expert in credit cards. You have a wallet full of the best reward cards, your credit score is solid, and you pride yourself on sticking to a budget. Even so, you could be making one of these five common credit card mistakes. Read through and check to see whether you’re really as credit-savvy as you think:

Forgetting to redeem your credit card rewards. So you signed up for a credit card with a fantastic rewards program. You’re earning frequent flyer miles, bonus points, hotel loyalty points, and cash back with every dollar you spend. But wait a minute. When was the last time you actually redeemed any of those rewards? Lots of people are excited about their rewards credit card when they first apply for a new account, and then promptly forget about those perks as soon as they start using the card. If you haven’t created an online account and learned how to redeem your rewards, you aren’t getting the most from your card. So be sure you log in and take advantage of those rewards.
Getting cash out of an ATM using your credit card. Anyone can have a little emergency and get into a cash crunch – it happens to us all. But one of the most expensive ways out of that jam is to take cash out of an ATM using your credit card. Not only will you pay a hefty interest rate on that cash, but you likely won’t have a grace period before the interest charges start to accrue. So if you’re short on cash, make this your last resort.
Missing a payment due date. It’s easy to accidentally miss a payment due date. Life gets busy, with kids and jobs and pets and other responsibilities. The best way to ensure that you never miss a payment due date is to sign up for automatic payments. Log into your account online and set them up, so the minimum amount due is automatically deducted from your bank account each month before your due date.
Not taking advantage of a balance transfer offer. If you’re carrying a balance on a credit card and paying interest, you need to look at balance transfer card offers. There’s really no reason to pay interest on a debt, as long as your credit score is decent. So many credit cards offer zero interest promotional periods that it’s easy to avoid paying interest for up to a year, or sometimes longer. Be prepared to pay a small balance transfer fee; usually this is 3% of the balance transferred. But if you’re paying a high interest fee on your debt, it’s almost always worth paying this fee.
Maxing out your credit card. Your credit limit is how much you can charge to your account, right? Wrong. It’s just the absolute most that you are allowed to charge. But doing so isn’t a good idea. The best rule of thumb is to keep your balance due below 30% of your credit limit. Ten percent is even better.

Now that you know these five pitfalls, it should be easy to avoid them. A healthy financial life starts with good credit habits, so be sure you aren’t accidentally making any of these mistakes.

Read also

How To Get Your Credit Card Issuer To Raise Your Credit Limit
[January 16th, 2018]

It’s happened to the best of us: you want to buy something using your credit card and find you don’t have enough available credit to complete your purchase. When you want to take advantage of low interest rates, high value credit card rewards, and the chance to pay off a purchase over time, it can be frustrating to be faced with a lower credit limit than you’d like.

Continue reading ››

Here’s How To Keep Your Credit Card Safe From Fraudulent Charges
[August 31st, 2017]

If you’ve ever gotten a call from your credit card issuer asking you about an unfamiliar charge, you know the particular sense of dread that goes through you when you think your card may have been compromised.

Continue reading ››

3 Mistakes People Make When Applying For A Credit Card
[June 23rd, 2017]

It might not seem like applying for a new credit card is very complicated. After all, millions of people have credit cards, and most households have more than one. Still, people do make mistakes when applying for credit cards. Here are three of the most common blunders folks are prone to making when they sign up for that amazing new rewards credit card…

Continue reading ››
Copyright © 2003-2018 All Rights Reserved strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the "Apply online" button to see the online credit card application and to review current credit card terms and conditions. Note that can be compensated by credit card issuers when the visitors apply for a credit card through the website.
* The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners. is an independent, advertising-supported web site. receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.
Information in these articles is brought to you by Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.
Disclosure: Not an access card.