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Credit Cards

Major Credit Cards

Are you looking for the right credit card that fits your financial needs? If yes, then you may want to first think about what card category you will be looking for.

Apply for a Credit Card

If you have good credit that’s awesome, your in the drivers seat. You are a credit card companies dream. You may want to apply for a credit card like the American Express credit cards or the Bank of America card.

Types of Credit Cards

If you have bad or poor credit then its best to try to rebuild your credit and opt for a credit card that will help boost your credit score.

The Verve credit card is best for poor credit or very bad credit.

Best Credit Cards



Applied Bank® Secured Visa® Gold Preferred® Credit Card


First Progress Platinum Prestige Mastercard® Secured Credit Card


OpenSky® Secured Visa® Credit Card


Freedom Gold Card

 

How to Choose the Best Credit Card 

So many different credit cards are out there. From rewards credit cards to balance transfers and more, you are probably asking yourself which kind of credit card is the one for you. It can be hard telling them all apart from each other with you thinking, a credit card is a credit card. Just how different are they to each other? Well, this article here will try to break it all down for you.  Choose the best credit cards to apply for.

You cannot find a single credit card better than another can in the different categories of credit card. They just differ in the benefits they offer and their purposes. In order to find the best credit card for you, it is important to know your options and to ask the right questions. With this, you will be able to look for the card that best suit your credit situation and your spending habits.

  1. Check Your Credit Score



Before anything else, you should check your credit score. This way, you will be able to find the right credit card that offers you the benefits you need and that you are eligible. On that note, the better that your credit score is, the better your chance is of getting approve for the credit card you want. If you have good credit score, you might just be able to get a credit card with much better perks.

Was your credit score does not seem to be what you expected? If that is so, you should check your credit reports to find out what the cause of the problem is. When you find the problem is, you will be able to find out ways to improve your credit score so you can get the credit card you want with better benefits.

  1. Look for the Credit Card You Need

In this step, you need to learn more about the different types of credit card available. There are generally three. There are credit cards that let you earn rewards, cards that help you save money on the interest and lastly, credit cards that help you improve your credit. The best card for you among these three is the one with features and benefits that suit your needs. So check out available credit cards and see which one suits your needs.

  1. Narrow the Choices

One way to narrow your credit card choices is by asking the right questions, like how will the card help you, whatever is your need. For instance, if you are looking for secured cards, ask yourself ‘how will this particular card help me build my credit?’ When shopping for credit cards, prepare a set of questions that will help you zone in on the credit card that you really need.

  1. Choose the Card with Highest Overall Value

After considering all the credit card choices you have, asking questions and doing research, you should the one that better match your needs and that offers you the highest overall value. The difficult part in this is choosing between two cards that are almost the same. If you are having difficulties, look closely at each card’s differences to better see how a particular credit card is the one for you.

How to Choose the Best Pre-Paid, Unsecured and Secured Credit Cards

Trying to follow at today’s culture without the use of credit card is very difficult. Car rentals, hotels as well as airlines are only few of the many places that require the use of credit cards in every transaction. Despite the fact that you have an adequate amount of money to cover your entire purchases, there are still other places in this world that ask for the consumers to pay with the use of their credit card just to secure for their reservations.

As far as credit cards are concerned, you may choose pre-paid, unsecured and secured credit cards. With the large number of choices to choose from, you may face a bit difficulty in choosing the best one. This is especially true to those people who are using this card for the first time.

To make the process easy and simple for you, consider the following tips on how to choose the best pre-paid, unsecured and secured credit cards.

 

  • Fees The Credit Card Offers

 

When choosing credit card, you need to make sure that you’re going to understand and evaluate the fees before trying to apply. Spend time and effort comparing the fees for every card to determine if you are already paying too much.  

 

  • Minimum Deposit

 

As far as credit cards are concerned, you are required to have your minimum deposit. A credit card having low requirement of minimum deposit is known to be easier and simpler for you to receive the card. This also means to say that you’re going to have a low limit for your credit. For those expensive credit cards, expect to have high credit limits too.

 

  • Credit Limit

 

Your credit card limit is equal to the security deposit that you’re going to make. There are also instances that there are some credit limit that offers different types of security deposits. This is the reason why you need to pay close attention to your security limits as much as possible.

 

  • Annual Percentage Rate

 

In choosing the best pre-paid, unsecured and secured prepaid card, you also need to take into consideration the APR or the annual percentage rate of the card. This refers to the rate of interest that is primarily applied to the balances that you’re going to carry beyond its grace period.  If you have high interest rates, expect to acquire higher charges of finances that you are going to carry together with your balance.

 

  • Payment History

 

Try to consider if the credit card that you are supposed to choose will report your payment history. Put this into consideration when deciding whether you are going to re-establish or establish your credit card. This is just to ensure that you’re going to have a good credit report which will not be a burden as you apply for the card.

These are only some of the important tips you need to take into consideration when you chose the best pre-paid, unsecured and secured credit cards. By following these tips, you are rest assured that you will end up choosing the best one for your needs.

Try a Store Credit Card for an alternative to a Major Credit Card.

Try these resources:

  • Consumer Finance –  Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.
  • USA.gov – Find out your rights when it comes to credit cards and how to choose the right one for you. They also create and organize timely,  information and services and make them accessible anytime and anywhere.
  • Federal Trade Commission – The Federal Trade Commission works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them.