Best Credit Cards Are Not Created Equal

Choosing The Best Credit Cards Is An Important Process…

Best Credit Cards
Best Credit Card

Choosing a credit card is a process that should not be taken lightly. All credit cards are not created equal. The best credit card is entirely dependent on what it will be used for. However, there are three basic principles that all credit seekers should abide by; never open a credit card that limits your buying power, choose from a well known company, and always read the fine print before signing on the dotted line.

Is A Store Credit Card A Great Way To Establish Credit?

Store credit is limited to that specific retailer, and possibly their sister stores if you’re lucky. This kind of limitation does nothing to boost your credit score. Also, store credit cards usually have an interest rate greater than 20 percent, and no grace period on purchases. This means that you start accruing interest the second an item is bought. Most major credit cards have a 30 day standard grace period before any interest is applied on purchases.Before looking anywhere else; research opening a credit card through your own bank. Having a credit card through your bank is the ultimate in convenience. Many banks let you connect your credit card to your debit card as a safety net, should your account ever be overdrawn. The overdrawn amount will simply be added to your credit card balance which could save you from non-sufficient fund fees.

Best Credit Cards
Best Credit Cards

If opening a credit card through your bank is not an option then keep in mind that the best credit card offers come from reputable banks and credit unions. A good rule of thumb is, if you don’t recognize the name of the bank; don’t open a credit card with them. Lesser known companies typically charge annual fees on top of a high interest rate. An annual fee is charged every 12 months by a credit institution for the convenience of the card. But if the card doesn’t offer special benefits such as airline miles, or a percentage of cash back on purchases, then an annual fee is not worth the mere use of the card.Reading the fine print is a long and laborious task, but with credit cards it is essential.

Many credit cards have enticing offers, such as zero interest for the first three months. Zero interest for the first three months is great, but what is the interest on purchases after the first three months? What are the fees if you go over your limit, or make a late payment? What might cause your interest rate to go up? It is important that you know the answers to these questions before opening any credit card. Changes to your interest rate, or exorbitant penalty fees can greatly increase the time it takes to pay off your credit purchases.Without the proper knowledge; credit cards can go from a wonderful convenience to a stressful burden. Following these simple guidelines will help increase your credit score, and prevent you from accumulating unnecessary debt.

It’s Simple.  Read.  Apply Today!  Click Here!  Live Happy!

Comments and Facebook Likes Appreciated! Share Them With Us!

 

Digiprove sealCopyright secured by Digiprove © 2014-2015

Best Credit Cards With Tips For Identifying Them!

Best Credit Cards Are Essentially Free Simply Pay Them On Time

Unless you’re living completely off the radar, you are likely being sent credit card offers through the mail, via email and through countless banner ads. However, when you really do want to get another credit card, how do you determine the best credit cards?

Best Credit Cards
Best Credit Cards

However, if you plan to carry somewhat of a balance and want to save as much money as possible, you will want to find credit cards that has the lowest interest rate possible. The interest rate that you qualify for will be partially determined by your credit score. However, creditors will try to compete with one another by offering lower interest rates. Debtors will also want to get credit cards with no annual fee or bank service charges.

When Choosing Best Credit Cards Focus On Actual Interest Rates!

The best credit cards will offer lower interest rates, but will raise them later on. Also, you should fully understand all of the fees that the credit card company might charge, including cash advance fees, over-limit fees and application fees. While fees are relatively common with credit cards, excessive fees can become expensive for the debtor. The worst fee is a penalty that is applied when you do not use the credit card, which can be a punishment for responsible credit card usage.

The credit limit is another important factor. For the most part, you will want a credit limit that is related to the amount of money that you will be able to spend. However, if you have a hard time controlling impulse spending, you might want a lower credit limit.

Find out what the billing cycle is. Most credit cards have a monthly billing cycle. However, there are other credit cards that will bill you as soon as every two weeks. Make sure that you can pay the credit card during the billing cycle.

Best Credit Cards
Best Credit Cards

Why Companies Encourage Customers To Use Their Best Credit Cards!

This can be very useful, since you will essentially receive free items without paying a cent, if your credit card does not have any other fees. The point system can provide you with another way to identify whether one credit card is superior to another. However, it can be difficult to determine whether the reward system of the best credit cards has the best credit cards points system.

Credit Card companies often provide a variety of tools that can make it easier for you to manage the credit cards account. This often includes an online credit card account where you can check your balance and make payments. When you can make your payments online, they will often be posted to your account. Interactive features can also include an estimator that helps the credit card owner determine how long it will take to pay their credit cards off by making the minimum payment.

 It’s Simple.  Read.  Apply Today!  Click Here!  Live Happy!


Lupita Adame Google Plus Lupita Adame Linkedin

Comments and Facebook Likes Appreciated! Share Them With Us!

adame@bestccoffers.com

Digiprove sealCopyright secured by Digiprove © 2014-2015

Best Credit Cards For Consumers To Search For

Best Credit Cards And Their Quest

Best Credit Cards
Best Credit Cards

Finding the best credit cards is a top priority for many individuals, but the quest for credit cards can often be challenging for a number of reasons. There are dozens of credit card offers now available to consumers, but consumers who want to find the best credit cards for their needs will want to consider a few key points.

Your Unique Needs

Each consumer has a unique need in mind when looking for the best offers, and because of this, the credit card offer that may appeal more fully to one person may not appeal at all to another consumer. In order to find the best credit cards for your needs, you should consider how you plan to use the credit card. Do you want to transfer existing balances to the credit card, or are you planning to make small charges that are paid in full each month? Are you purchasing it mainly to take advantage of a rewards program? Each card is unique, so understanding what you are looking for in a credit card is important.

Interest Rates On The Best Credit Cards

In addition, consumers may be interested in looking for the best credit cards with a lower interest rate. Consumers who have plans to pay the balance off in full may find the interest rate of a specific credit card offer to be less important than other factors. However, if there is a possibility that the balance will not be paid off in full, a lower interest rate may be ideal. Interest charges on recurring balances can be expensive over time, and a lower interest rate on a credit card can help to keep the cost associated with owning the card to a minimum.

Best Credit Cards
Best Credit Cards

Special Rewards With the Best Credit Cards

Many consumers today who are looking for the best credit cards are searching for card offers that have special rewards and incentives. These rewards may include cash back or rewards points that can be redeemed for special services or merchandise. Some individuals are specifically looking for the best credit cards that provide the maximum cash back benefits, and others may want to use their cards for travel bonuses and other benefits. Consumers who are looking for the best credit cards for special rewards and points should consider limitations regarding how many points can be earned or redeemed. The fine print for the rewards system should be fully reviewed because some of these programs are designed to be more costly for consumers to use than others.

Special Offers Available For Best Credit Cards

In addition, some of the best credit cards have special introductory offers that can be highly advantageous. However, these are not ideal for all consumers. For example, the best credit cards for some consumers may have zero percent interest and no annual fee for the first six months. After this initial period, the interest rate will adjust upward. A low introductory rate offer may be ideal for individuals who want to transfer a balance and who have plans to pay the balance down within the introductory rate period. However, if the balance cannot be paid off in full, consumers may consider how the interest rate adjustment after the initial fixed period will affect the cost of using the credit card.

While finding the best credit cards is a common goal shared by many, the best credit cards can be elusive to find. Understanding what you want to find in the best credit cards is the first step to take toward identifying which offer is right for you.

It’s Simple.  Read.  Apply Today!  Click Here!  Live Happy!


Lupita Adame Google Plus Lupita Adame Linkedin

Comments and Facebook Likes Appreciated! Share Them With Us!

adame@bestccoffers.com

Digiprove sealCopyright secured by Digiprove © 2014

Best Credit Cards! The Smart Way!

Best Credit Cards For You

Best Credit Cards
Best Credit Cards

If you are new to the realm of consumer credit, you might be wondering where you can find the best credit cards. You do not want to accept every offer the lenders throw at you, or you could quickly end up in debt. What you want to do is find the best credit cards that suit your needs and your unique situation. Such requires you to ask yourself a few questions before you start looking for the best credit cards. After you have answered the following questions, you can move on to finding a credit card comparison tool that will help you pinpoint the best credit cards.

Best Credit Cards Fees Can I Avoid

If you are a college student or a consumer who values frugality, you will want the best cards that charge you the least amount of extra money as possible. You will probably think that cards that offer no annual fee are the best credit cards. Avoiding an annual fee will allow you to have more money for yourself. Therefore, the best annual fee credit cards for you would be units that offer a zero dollar annual fee.

Annual percentage rates are something that even the best cards carry. You will not be able to find a card that does not have an APR. However, you might be able to locate one that suspends the APR for a certain amount of months. Several of the best cards offer 0 percent APR introductory offers. This special offer allows you to use the best credit cards and see if you like them, while you are sparing yourself of the extra charges.

Best Credit Cards
Best Credit Cards

Which Best Credit Cards Rewards Would I Prefer?

If you like to feel as though you are getting something back from your bank, then the best rewards credit cards would be perfect for you. Cash back best credit cards offer you the potential to earn money each time you use them. Points rewards cards are similar to cash back cards, except you receive points that accumulate instead of dollars. You can use these points to purchase goods or pay your bill.

How Much Money do I Want from the Best  Cards?

Your credit line is a very important aspect of the best credit cards experience. Some companies will offer a new debtor only a few hundred dollars, while others may take a chance by giving someone more than one thousand dollars. The best credit cards for you would be the ones that suit your financial purposes. If you like to have a higher credit line, then you should notate that criterion before conducting your search.

Finding The Best Cards

Finding the best consumer credit cards involves conducting a thorough search. A best credit cards search tool will allow you to compare items by annual fees, interest rate, rewards preferences and credit requirements. If you are just starting out with credit, your options may be limited. However, with six months of consistent timely payments, additional creditors will offer you the best credit cards. You should always thoroughly read the terms and conditions before accepting an offer.

  It’s Simple.   Read.   Apply Today!  Click Here!  Live Happy!


Lupita Adame Google Plus Lupita Adame Linkedin

Comments and Facebook Likes Appreciated! Share Them With Us!

adame@bestccoffers.com

Digiprove sealCopyright secured by Digiprove © 2014-2015