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The_Best_Credit_Card_-_Shopping_For_A_Credit_Card

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The Best Credit Card - Shopping For A Credit Card


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371


Summary:
Credit cards are just like any form of credit, you should shop around to find the best deal. Depending on
your situation, you may want to find a card with low rates, a reward program, or a 0% APR for transfers.
Make sure you look at several credit card companies to find the best deal for you.


Comparing Programs


Credit card companies offer several different types of incentives to entice you to open an account with them.
These rewards can save you money or earn you trips ...



Keywords:
credit card



Article Body:
Credit cards are just like any form of credit, you should shop around to find the best deal. Depending on
your situation, you may want to find a card with low rates, a reward program, or a 0% APR for transfers.
Make sure you look at several credit card companies to find the best deal for you.


Comparing Programs


Credit card companies offer several different types of incentives to entice you to open an account with them.
These rewards can save you money or earn you trips or cash back. If you plan on always paying off your
monthly balance, then a reward program, such as airline miles or cash back, may be for you.


If you plan on carrying a balance on your new credit card, then look for the lowest rate. You will want a no
frills card with no annual fees. You can also choose a card with a low introductory fee, usually lasting six
months to a year, if you plan to pay off the balance soon.


For transfers, look for offers of 0% APR. These offers typically last for six to twelve months, but they can
save you a bundle on interest. However, be aware that rates on these cards can shoot up after the grace
period.


Finding Credit Card Companies
I’m sure you have received several credit card offers in the mail this week, but you can find better deals
online. The major financing companies offer special reward bonuses and special programs for students or
small business owners.


Look at what each credit card company is offering along with their rates. You may also want to choose a
card that you don’t already have. While American Express and Discover offer excellent rewards, they aren’t
accepted by everyone. Plan on having at least two different types of cards.


Always Watch For Deals


Once you have your credit card, continue to look at credit card offers. You may find an especially low rate
or a good rewards program. You can easily apply for the card, then close an old credit card account. While
having several different types of credit lines are good for your credit history, too many open credit card
accounts can hurt your score.




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