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Things you should be double sure about before applying for a credit card

[Tuesday, February 28th, 2012]

There are several important things you need to consider before you choose and apply for a credit card. Let’s have a look at some of them.
Ideally, you shouldn’t rush into every credit card application you like as denial will affect your credit score badly.

It is advised not to apply for credit cards three times within six months. But even when you qualify for a credit card, there is still something you need to know in order not to end up accumulating credit card debt that can be quite difficult to pay back.

Be watchful for interest rates that can be fixed and variable. If a credit card has a promo interest rate, be careful about go-to APR that can skyrocket after the introductory period is over. Avoid such credit cards with higher interest rates if you don’t want to pay through the nose.

Annual fee associated with credit cards is another point you need to be aware of. If you are looking for a no annual fee credit card, make sure that there is no annual fee on the credit card at all and the fee is not waived the first year only. There are other fees you need to pay your close attention to including balance transfer fee, cash advance fee, foreign transaction fee, and more.

When shopping for a rewards credit card see if the credit card comes with or without annual fee and always dig into every detail of the rewards programs. For instance, check if there is a cap on the number of points you can redeem, say in a month.

In a nutshell, when choosing the credit card that will be right for you, please read the fine print with utmost care since oftentimes credit cards are not what they seem to be.

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We all used to make purchases or pay for various services with our credit cards. More than 300 billion credit cards are issued in the U.S. annually, and almost 80% of Americans own at least one credit card. However, despite the wide acceptance of credit cards, it still remains useful to carry cash in your pocket. That’s where a credit card cash advance comes into play.

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How to Benefit with Discover it® Cashback Bonus Cards in 2019
[May 10th, 2019]

Owners of the Discover it® Cash Back, the Discover it® Balance Transfer, the Discover it® Student Cash Back and the NHL® Discover it® credit cards surely appreciate the 5% cashback bonus on purchases at its true value. We would remind you that it applies to purchases up to $1,500 per quarter in certain categories rotating quarterly and is available after activation.

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Here’s Why Every Frequent Flyer Needs a Travel Rewards Credit Card
[January 16th, 2019]

If you think the only advantage to carrying a credit card that offers travel rewards is that you can earn more frequent flyer miles by making purchases on the card, you could be missing out on some of the biggest perks offered by card issuers and airlines.

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