The Credit Card Trap - Compare Credit Card Offers

By [http://ezinearticles.com/?expert=David_M_Siegel]David M Siegel

The offers come in the mail by the dozens.  Many credit card companies continue to send offers to people who are already card carrying members.  The temptation can be too much when one is in need of an infusion of credit or capital.  What people fail to realize is that there is a point of no return.  At some point, the cost of debt servicing per month exceeds the amount available per month.

Here is a perfect example.  Let's say that our card holder is named Steve.  Steve just cannot seem to get his head above water.  He may be having ongoing debt issues due to medical,  job, auto or loan obligations.  In an effort to get on top of his finances, he accepts a credit card offer for additional credit.  However, he doesn't solve the underlying problem that has lead him into debt.  Maybe he still doesn't have medical insurance or maybe his employment situation is less than steady.  In any event, he simply will continue to incur monthly debt above and beyond his income.

This is where the credit card trap begins.  The credit card offer will likely come with some sort of incentive for either signing up or from making a balance transfer.  The introductory rate will be enticing low and hard to refuse.  Eventually though, the rate of interest will rise and the minimum payment will increase.  In our example, Steve is then faced with a new problem.  He was able to survive for a while by utilizing the credit from the latest offer; however, that credit card has no more credit available.  This is where the entire cycle begins again.

Steve will more than likely receive another offer from another credit card issuer offering a similar introductory deal.  What winds up happening is that Steve exhausts the benefits of that latest credit card until there is no more available credit.  This can continue to occur until his outstanding debt obligations are too great for even the most risky of credit card issues to approve him for credit.  It is at this point where the late fees, over-limit fees, and high interest bring Steve to the point of no return.

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Article Source: [http://EzineArticles.com/?The-Credit-Card-Trap---Compare-Credit-Card-Offers&id=1242301] The Credit Card Trap - Compare Credit Card Offers

Compare Credit Cards Easily Online Then Apply For a Credit Card Online For Your Best Deals

By [http://ezinearticles.com/?expert=George_Dodge]George Dodge

When you are ready to shop for a new credit card, there are a lot of factors you need to consider. Among these factors is are the credit card terms including annual percentage rate (APR) of interest and grace period annual membership or participation fee, transaction fee among others. You need to choose the plan terms that best fit and suit your particular financial needs.

There are may types of credit cards and each type focuses on different benefits to the credit card holder. For example, there are credit cards that offer airline frequent flyer miles for purchases, there are cards that allow you to transfer balances from other credit cards over to your new card with zero or very low interest charged on the transferred amount for some designated period of time.

Then there are case rebate cards that return some small percent of the charge back to you in the form of a rebate. There are even credit cards specifically for people with bad credit.

Years ago almost all credit cards had an annual fee, but most fees have gone by the wayside. Nevertheless, it is good to check because a few credit cards still require an annual fee.

Hotel sponsored credit cards will provide points for each dollar charged that can be applied towards free nights at hotels within their hotel chain.

And the list goes on and on. So depending upon your lifestyle, different cards will appeal or be useful to you so be sure to shop around and compare the credit card benefits.

It's very important that you understand each of the credit card plan terms before you accept the card to avoid putting yourself in financial bondage. For example if your issuing company does not give a free grace period and you are unable to pay on time, your account will be charged and it will end up increasing your debt.

There have been numerous cases of card theft recently and the trend is continuing to increase so it's advisable that you keep your card very well secured to avoid unauthorized use. Also don't give away your card information anywhere you don't feed secure.

Another way to avoid lost or unauthorized use of your card is to only carry the card you think you will use. And in case you lose your card you need to call the issuer and inform them of the lost quickly. So keeping separate records of each of your account numbers, expiration date and card issuer contact information.

It's very important that you reconcile your credit card account when you get your statement of account each month from your card issuer. In order to reconcile your account successfully, you need to keep a record of your receipts where possible or a personal note where you don't have receipt. In this way you will discover errors which could have been added to your statement without you noticing it.

You can apply online for a credit card easily and conveniently. There are a number of websites where you can review and compare different credit cards at one location and then select the card that is best of you. Once you have made your decision, you can apply online for a credit card by simply clicking a link and filling out an online form for your chosen card. This makes shopping for a new credit card simple, easy, and fast.

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Article Source: [http://EzineArticles.com/?Compare-Credit-Cards-Easily-Online-Then-Apply-For-a-Credit-Card-Online-For-Your-Best-Deals&id=375827] Compare Credit Cards Easily Online Then Apply For a Credit Card Online For Your Best Deals

Always Try to Compare Credit Cards to Get the Best Deals

By [http://ezinearticles.com/?expert=Terro_White]Terro White

Currently there are many sites in the internet that offers online card. These credit offer different kind of facilities to their customers in order to attract them to purchase these cards from them. Some of the online credit offers lower rate of interest while some offers no interest on the transfer of the balance. Some even offers zero interest cards. All these might seem to be attractive to you as well. However, before jumping into any of these offers, you should always try to compare cards and their offers.

Two Things To Consider:

When you compare cards, there are generally two things that you should definitely consider.

* The deals that the online credit card is offering

* Which credit card ultimately best suits your requirements?

If you can consider these two important things before signing up for any card, you would benefit the most and you would get the credit d in accordance with your requirement.

New Things To Discover:

If you compare cards, not only would you know about the different deals but at the same time you would also get to discover new things. There are lot of pitfalls actually involved in opening an online credit account. The card which says no interest in the transfer of balance can actually curtail high interest payments. At the same time, you would also get to know about the interest rates which would be charged after the expiry of the validity of the zero interest rates. There are many more things that you would be able to discover once you start making a comparison among the different deals.

Save Money With Proper Planning:

However, if you can successfully compare cards, you would surely get the best deals and this in turn might also help you to save some money. You should know the proper manner of using the credit card that you acquire. Start making a plan immediately after the purchase and if you stick to that plan, it would definitely help to reduce some debt. But you should always remember to get only those credit that would fulfil your requirements.

Since there are innumerable card deals available in the market, you should make a thorough research and a proper comparison of each of deals before landing up in a purchase. If you fail to make a comparison you would certainly not get the best one which might land you up in trouble in future.

If you are looking for an online credit card, you can log on to credit-land.com. This is the best internet site where you would get the best deals on the purchase of the credit cards. At the same time, you would also be able to [http://www.credit-land.com/]compare credit cards and accordingly purchase the one which best suits your requirements.

Article Source: [http://EzineArticles.com/?Always-Try-to-Compare-Credit-Cards-to-Get-the-Best-Deals&id=4410771] Always Try to Compare Credit Cards to Get the Best Deals

Tips to Compare Credit Cards

By [http://ezinearticles.com/?expert=Dennis_Moore_Hopkins]Dennis Moore Hopkins

There are many people who are using and owning a credit card nowadays. It is a useful tool for one to purchase things or acquiring services. When one use the credit card, he or she is liken to buy on a borrowed money term. No doubt it is a useful tool but it could also be harmful when an individual ends up misusing it or did not do many researches before owning a card. There is a need to wisely compare them before settling for one. One should find out in details of the companies which offer these services. If it has high rating from its customers and good reviews from businesses, then one could be comfortable that the card offered may be of help. He or she could check these details from the company's websites or individual blogs. But remember not all read are to be trusted. One should use his or her wisdom in differentiating the facts from some people who may just want to have personal attack or bias view towards a card or company.

Other than that, one should also check the policies and rates for the credit cards. There is a need to compare them in this area as it is very important. If the interest rates are too high, then one could not cover it. If an individual has not research on a card and yet it has a high rate, there is an invitation for more bad debts. One have to be sure there is also an acceptance of the card policies and feel comfortable with it.

Another thing to look for is the credit card holder's needs. He or she has to know what exactly it is used for in order to get the best when comparing them. One should decide whether it is for personal or business use and obtain a credit card that suits the purposes.

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Article Source: [http://EzineArticles.com/?Tips-to-Compare-Credit-Cards&id=4755674] Tips to Compare Credit Cards

Tips to Compare Credit Cards Professionally

By [http://ezinearticles.com/?expert=Sagbee_C]Sagbee C

Earlier credit cards were not as popularly used as they are today. Transactions were based entirely on the exchange of money. However, soon the exchange threw up a number of negatives, one being the very lack of it! Today, when you go shopping and you don't have sufficient cash, you can very well use a Visa card or any of the other lucrative plastic deals being delivered at your doorstep.

With the increasing demand for cards, there are a number of companies now in the fray, with card deals getting one better than the other. With the increasing choices in card offers, it becomes confusing to decide which one is the best card. If you want to derive maximum benefit from the card at hand, you need to indulge in some quality comparison shopping and keep a few things in mind.

Take Your Time: Compare And Shop

Don't just rush into buying any card. A credit card comparison is most essential if you want to capitalize on the choice at hand and pick the best suited one. Many card companies naturally claim that theirs is the best credit card available in the market. But it is important not to get tempted and investigate the market. Since the procedure for applying for a card is very simple and can be done online, don't rush into the choice. Take your time and compare.

Keep In Mind Different Features:

While comparing, keep in mind the features of the credit card.

� If the offer is of a free credit card, investigate - it really may be too good to be true!

� Look carefully for any hidden costs

� Find out the actual value of the credit offered by scrutinizing the fine print

� Compare cards via online resources that list them according to offer values

� Check out the specific terms and conditions before signing on the dotted line

� Shop for 0 interest cards or low interest credit cards

� Check out for rewards on the cards

Credit cards have different features, and are designed for:

� businessmen

� students

� housewives

� seniors

It is important for you to identify which one suits you the best. It gets simpler to buy a credit card if you know the purpose to be sorted with the facility.

Improve Your Credit Rating First:

Conducting investigations with the help of your financial advisor is very necessary.These card company will check on your credit rating. Improve it if you are in troubled waters. Getting an approval is the first hurdle. card or no card, it is always to your best interest to maintain a good credit rating.

Nowadays the process of obtaining a card has become very easy. With the advancement of the internet, shopping can be done 24/7 and that too from the convenience of your home. An online can be obtained without running around from pillar to post. The best deals in the market are just clicks away.

Credit cards are popular in today's fiscal market. However, it is essential to [http://www.credit-land.com/]compare credit cards and allied add-ons, to ensure that the credit doesn't take you on a rollercoaster payback ride.

Article Source: [http://EzineArticles.com/?Tips-to-Compare-Credit-Cards-Professionally&id=4738115] Tips to Compare Credit Cards Professionally

How to Compare Credit Card Rates Like a Pro

By [http://ezinearticles.com/?expert=Panah_C_Rad]Panah C Rad

Applying for a credit card is more than just filling out the application and getting the first card that you are offered. A card agreement is a contract, and you should try to get the card that offers you the benefits that you deserve.


Your credit history goes a long way towards determining your credit line and the credit-card rate. The better you take care of your credit accounts, the better chance you have of getting approved for better, more lucrative offers.


Researchers have shown that most folks pay more attention to credit card rates the most before applying for a card offer. A lot of card holders use their card to get cash back on their purchases. A few others engage in credit card arbitrage. Either way, your purchase and balance transfer APR plays a big role in determining what cards are right for you or your business.


Purchase APR is the annual percentage rate of interest that is applied to your outstanding balance every month. The 0% APR purchase cards are very popular as they allow you to make your purchases without having to pay an interest for an introductory period. If you are planning to buy a HDTV with your card, you need to make sure your introductory period is long enough for you to be able to pay down your credit card without having to pay a penny of interest.


Balance Transfer APR: getting a low balance transfer card allows you to transfer your high interest debt to a low interest account and save money in the process. It's true that 0% balance transfer cards are often used for arbitrage purposes, but some folks transfer their car loans to 0% BT APR cards to avoid paying high interest on their balance.


Cash Advance APR: cash advances are used by folks to get short-term loans. Credit card issuers often high rates on cash advances. If you are planning to take cash advances on a regular basis, you need to make sure you apply for the card that comes with the lowest cash back offer.


Depending on your credit needs, you should choose and compare a selection of cards that give you the best APRs possible. If you are looking to only use your card to purchase items, you can afford to apply for one that comes with a high balance transfer fee. But if you plan to do transfers with your card as well, you should go for the card that provides you with the right balance of APRs. At the end of the day, your focus should be to find the card that satisfy your needs and nothing less.

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Article Source: [http://EzineArticles.com/?How-to-Compare-Credit-Card-Rates-Like-a-Pro&id=1645050] How to Compare Credit Card Rates Like a Pro

Comparing Credit Card Debt Settlement and Credit Counseling

By [http://ezinearticles.com/?expert=Hector_Milla]Hector Milla

Credit counseling and credit card debt settlement are the most common types of debt relief. While many consumers know about these methods, most do not know the difference between the two, what they offer, or the price for utilizing each service.

Credit counseling, which is also known as debt counseling, is designed to help the consumer reduce their interest rate, lower their payments, and keep all accounts in a current status. Lump sum monthly payments are made to the agency you are working with, which is then dispersed between creditors. Individuals who seek credit counseling can get out of debt much quicker than if they continue to make minimum payments. The fixed payment is easy to manage, since there are no changes in the due date or the amount due. The average credit counseling agreement can last as long as five years, determined on a case-by-case basis.

Debt settlement involves reducing the overall balance rather than reducing the interest rate. Unlike credit counseling, all accounts must be in default before a settlement counselor can negotiate a lower balance.

In the case of debt settlement, consumers can save a significant amount of money, since the credit card companies often agree to accept � to � of the original balance. Naturally, paying less money means quick debt relief. The average settlement plan lasts for one to two years.

While credit counseling allows the consumer to keep all accounts in the positive, participating in a settlement plan can temporarily affect one's credit score during the negotiations process.

Perhaps the primary difference between credit counseling and debt settlement is the savings. In credit counseling, consumers will still pay back the full amount that is due. After all, the interest is not removed, only reduced. On the other hand, settlement saves 40-60% of the balance, which is a major difference.

Other differences between the two programs should be considered as well. Consumers get out of debt quicker when they take advantage of settlement plans, but may have a few temporary negative remarks placed on their credit bureau report. These remarks are easy to remove once the negotiations process has been completed. In counseling for example, all accounts are reported as current, whereas in a settlement plan they remain past due for a short period of time. A few collection calls may be received while participating in either program.

In both cases, consumers can expect to pay a fee for participating in the service.

NOTE: by researching and comparing the best [http://www.creditcarddebtsettlementusa.com]credit card debt settlement services in the market, you will determine the one meeting your specific financial situation. Specialized advise from a reputable debt counselor is always suggested.


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Article Source: [http://EzineArticles.com/?Comparing-Credit-Card-Debt-Settlement-and-Credit-Counseling&id=3766140] Comparing Credit Card Debt Settlement and Credit Counseling

How to Compare Credit Card Debt Consolidation Companies - The Easier and Most Effective Way

By [http://ezinearticles.com/?expert=Hector_Milla]Hector Milla

If you looked around your neighborhood, you could bet that half or more of your community is deep in debt and would be right. Today, more and more people are getting behind with their bills. This is not just because people make mistakes with budgeting or are living beyond their means. Instead, the economy has proven unstable, people are losing their jobs, and late payment and overcharge fees make it nearly impossible to get ahead once you've fallen behind. Repaying your debts is easier than you think if you invest in cheap credit card debt consolidation loans.

Use the Loan to Pay Off Bills

Credit card debt consolidation loans are an easy way to repay your debts. All you do is apply for and use a high balance card on which you can pay off old bills and creditors. This means that you will no longer have to juggle bills each month or worry about calculating a number of bills and interest rate. Using such a card to repay bills means that you will save money and make the bill paying process far easier than if you were sorting through a dozen envelopes every single month.

Improve Your Credit History

Credit card debt consolidation loans are a smart option to use because you use such plastic to pay off your debts. Thus, you transfer balances from other cards to this high balance card. This means that you can get a head start on paying off your debts and improving your credit rating or score. Once you start paying your bills on time, your credit score will improve because of timely payments and the lowering of your overall debt. This is something that will enable you to one day negotiate stellar deals on home, auto, and personal loans.

Really, consolidation is one of the easiest ways to rid yourself of debt. Explore your options so that you can find a card company that will offer you the best rates. Always take the time to ask if there are any fees associated with their services. It is important to do the math when you switch from many bills to just one. This means that you can make a smart decision about which card and which company to work with when working on your financial situation. If you make a smart decision, you are sure to get your life back on track soon.

NOTE: by researching and comparing the best [http://www.creditcarddebtconsolidationusa.com]credit card debt consolidation services in the market, you will determine the one meeting your specific financial situation. Specialized advise from a reputable debt counselor is always suggested.

Hector Milla runs the [http://www.creditcarddebtfree.org]Credit Card Debt Free website - where you can see his best rated credit card debt settlement and debt consolidation service.

Article Source: [http://EzineArticles.com/?How-to-Compare-Credit-Card-Debt-Consolidation-Companies---The-Easier-and-Most-Effective-Way&id=3949574] How to Compare Credit Card Debt Consolidation Companies - The Easier and Most Effective Way

How to Compare Credit Cards

By [http://ezinearticles.com/?expert=Samantha_Asher]Samantha Asher

So you've decided it's time to get a credit card. You set out on a search for the best one that is right for you. You do a search a find that there is a mind boggling amount of credit cards out there. There are point card, low APR cards, no annual fee cards, identity theft protection cards, business cards, store cards, mile cards, no hassle cards, and so many more. Which do you choose?

Getting a credit card should not be taken lightly. If used incorrectly, it could put you in a lot of debt and give you bad credit and if you get the wrong one, you may be pushed into more debt or not get the true benefits you deserve. In order to get the right credit card, you need to know what type of card you need in order to compare them correctly.

First, look at your spending habits. Do you charge a lot to your card or just on occasion? What kinds of things to you charge to your card most? If you find that you charge almost all of your expenses to your card, you should look for a card with lots of reward points or cash back. If you spend a lot on one specific expense, such as mostly on gas, you should get a card with gas cash back. Some cards will offer more cash back on gas and automotive upkeep purchases and a lower cash back on everything else. If you spend a lot on everything, you'd probably be better off with a higher cash back on everything.

Do you travel a lot? If you spend a lot of time in the air, you should look for a miles card or a card with a points reward system that rewards you with travel expenses. Some will give you 1 mile or more for every dollar you spend or 1 point or more for every dollar you spend. Collect your points and redeem them for free flights.

If you are worried about your interest rate because you often carry a balance, first you should figure out why you carry a balance. Are you buying things you don't really need that you can't afford? Fix this and you shouldn't have to pay interest. If you have a balance transfer, look for a card with 0% introductory APR for the first 12 months or more so that you can pay it off before you are ever charged interest.

Always look for a card with a no annual fees. Most cards today don't have annual fees but still have a lot of great benefits. Shop around and find the best card for you. Don't settle just because you got lazy. It could be the difference between a huge savings and a lot of debt.

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Article Source: [http://EzineArticles.com/?How-to-Compare-Credit-Cards&id=1435497] How to Compare Credit Cards

Comparing Credit Cards - 16 Points Before Making A Choice

By [http://ezinearticles.com/?expert=Abhishek_Agarwal]Abhishek Agarwal

There are various big and small bankers supplying credit cards for the companies as well as individuals all across the country.  While credit cards have become one of the basic necessities today, the market is flooded with plethora of choices of them and so is the competition increasing.

The companies are trying their best to lure the clients and fetch business from them.  They do this by offering varied types of credit cards and along with them propose different rebates, incentives, and other perks.

All of us have to decide on at least one of the lot, but the comparisons are just not easy.  'X' feature of one seems to be good and 'Y' of another.  So here are some tips and ideas to make the job of choosing a best suited credit for you more easily:

1. In case you get an email or a postal mail regarding a credit card, first of all bet in to the website and try to read it in detail and understand the services they offer along with all the financial details.

2. You must make sure to read all the details in a fine print received from the company itself. 

3. Make sure that you understand and know all the hidden fees and/or other costs related with that card. 

4. Actually, the companies often tend to cover up these hidden expenses in their mails.

5. While comparing among the various options available, APR and fees are the key prospects.

6. APR explains the interest rate that you would need to pay.  So, it should get as low as possible.

7. With some credit cards the APR is unusually high; rule out those options instantly, else you shall land up riding a roller coaster of credit card debt. 

8. With APR rates, do not even get lured with the credits that you may avail with that card as high APR rates at the end would put you through the charges that are indeed very difficult to pay.

9. Alongside the innumerable choices, there are three market leaders in terms of credit cards - MasterCard, Visa, and American Express or AMEX. 

10. While MasterCard & Visa issue the credit cards based on the various other banks, AMEX runs the entire show on its own. 

11. Unlike MasterCard & Visa, AMEX has its own network, they issue their own credit cards, and hence no third party is involved in the deal.

12. The ones who travel a lot and need a card that is applicable everywhere, all across the globe, including the third world countries as well, Visa or MasterCard is your pick. 

13. American Express is pacing up hard to achieve the status of MasterCard & Visa all across the globe and is not leaving any stone unturned in the drill.  Very soon they would also be accepted in every part of the world, but for now, they are not accepted in many parts of the globe.

14. Another good option on the list is Discover.  Though this one is not as popular as the rest three, this one also offers some great benefits for the users.  It is accepted in several parts of the globe.  Discover credit cards are local and are quite useful in case of emergency.  In case you do not yet have a credit card and wish to have a Discover Card, we suggest you to re-consider the idea and rather prefer Visa and MasterCard. 

15. At the end, among the large variety of credit cards available in the market, the final decision is quite up to an individual.  You must be smart enough to make a good option for yourself among the bulk available in the market. 

16. Make it a point to visit the company or the bank that is local to you.  You can also choose to get online and look for the credit card details.  In case you are sure of what you want, Internet is probably a good option for you by all means.  Also, in case you decide what you want exactly before going online - you shall save a whole lot of money & time.

Further, in case you wish to know more about the options available in the credit cards & prepaid cards, just log on to http://www.CreditCards.us (or http://www.creditcards.us)

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Article Source: [http://EzineArticles.com/?Comparing-Credit-Cards---16-Points-Before-Making-A-Choice&id=1663338] Comparing Credit Cards - 16 Points Before Making A Choice

Compare Credit Card Debt Consolidation Programs

By [http://ezinearticles.com/?expert=Zach_Ford]Zach Ford

Millions of Americans are struggling with the stress of carrying excessive credit card debt.  If you are one of them, then why not consider requesting a free online debt consolidation quote, and find out how much you can potentially save. When you request a quote, you will instantly find out the exact how much consolidating your bills will reduce your monthly expenses.

What is Debt Consolidation?

Credit card consolidation services are there to help reduce your interest rates and guide you down the path towards financial independence.  This process works by eliminating all of your high interest credit card bills, and replaces them with a low interest loan, which requires only one easy to manage monthly payment.  By lowering your interest, you will benefit from smaller monthly payments and faster debt elimination.

There are also many situations where clients do not require a loan, instead, professional negotiators work with credit card companies to reduce their interest rates and even reduce the client's balances.  To find out which of these services will benefit you the most, request some free online quotes and compare their suggestions.

How Do I Get Started?

Getting started is easy, thanks to all of the free services and information available online.  The first step you should take is to request and compare at least 3 quotes from different major lenders online.  This will give you a general idea as to exactly how much money debt consolidation will save you.  Since these quotes are free, fast, and have absolutely no obligation, you can feel free to request as many as you want.  The more you compare, the more confident you will feel that you have found the best service available.

Where Can I Request Free Online Quotes?

There are hundreds of websites offering a [http://debtconsolidationsource.googlepages.com/compare-quotes]free online debt consolidation quote to you.  These sites will allow you to compare several major lenders side-by-side.  Be sure to compare all aspects of your free online quotes, such as, the company's reputation, success rate, loan terms, and interest rate.

Now that you are more familiar with how debt consolidation works and the importance of requesting free quotes, you probably want to see just how much you can save with a debt consolidation loan.  A great place to learn more about debt consolidation, and get free quotes, is [http://debtconsolidationsource.googlepages.com/compare-quotes]http://debtconsolidationsource.googlepages.com/, an excellent online resource with lots of valuable information on debt consolidation.

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Article Source: [http://EzineArticles.com/?Compare-Credit-Card-Debt-Consolidation-Programs&id=899527] Compare Credit Card Debt Consolidation Programs

Credit Cards Comparison - How to Compare Credit Card Offers

By [http://ezinearticles.com/?expert=Morgan_Hamilton]Morgan Hamilton

If you are looking for a new card but aren't exactly sure which one is right for you then you definitely want to conduct a credit card comparison in order to find the most suitable offer. There are many different cards on the market and it can become a bit overwhelming but it need not be.



A quality comparison website will allow you to drill down to specific categories. For instance, if you're interested in low interest rate cards there should be a category devoted specifically to low APR offers. The same can be said for cash back cards, travel rewards cards, business credit cards and so on.



By accessing these categories you will automatically be able to see the different offers from the major issuers including American Express, Discover, Visa and MasterCard. This will make it very easy for you to do side-by-side comparisons of the features and benefits of each.



A truly high-quality website will also offer news, information and reviews. By accessing this type of information you will be much better prepared to make an informed decision. It is extremely important that you also identify what your specific needs are as a consumer.



Equally important is understanding exactly what the terms and conditions of the offers that you are interested in are before you apply. You are not only going to want to know about the good stuff like rewards programs and the like, but also you must understand the cost of actually owning a credit card.



The cost I refer to is composed of the interest rates, fees, grace periods, lines of credit, etc., etc. These are the things that are usually buried in fine print but nevertheless must be not only read but clearly understood.



Doing a credit card comparison on a reputable website is absolutely the smart way to shop for credit. By keeping the aforementioned advice in mind you will be well on your way to finding a card that is not only fiscally smart but will also serve you well for many, many years to come.

Interested in Conducting a Proper Credit Cards Comparison?

Visit BestCreditQuote.com to review offers and do a credit cards comparison [http://www.bestcreditquote.com] of the leading offers.

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~Morgan

Article Source: [http://EzineArticles.com/?Credit-Cards-Comparison---How-to-Compare-Credit-Card-Offers&id=3415674] Credit Cards Comparison - How to Compare Credit Card Offers

Compare Credit Cards - How to Effectively Find the Right One

By [http://ezinearticles.com/?expert=Lit_Smith]Lit Smith

We are developing our lifestyle at a very fast rate. Our lifestyle is being updated on a daily basis. The gadgets we developed have created a revolutionary change in our lifestyle. We are now using a great number of electronic gadgets to simplify our life style needs.

Credit cards are being used by almost everyone around the world to help them simplify their use of money. Companies, who provide such product, are also in a competitive race to grab the most number of customers in this increasing market. They are trying to get acknowledgments from users by providing a great number of promotional advertisements. These advertisements tend to attract a huge number of people in using such product without knowing the all the necessary details. This vital error in decision making makes them lose or use unnecessary amount of money in this sector. We should always gain proportionally to the amount of we spend. So it is advised to wisely decide on checking the market in details before making any decisions.

We are going to discuss on what you should look up before engaging a search.

Getting to know the important terms:

A credit card company provides a great number of terms and conditions to follow while using their product. You should thoroughly go through each and every term and condition to see if it complies with your demands. Such terms and conditions may include the annual fee, the interest rate interest in percentage, rewards which will be given for using their product, the area of usage and many more. After understanding these terms and conditions, it will become easier for you to decide and short list the number of companies that have met your demands. We tend to neglect such terms and conditions because we think they are of no use to us. But you should always be sure to read these instructions of any sort before buying any product.

Finding the best to compare with:

We always rely on our own knowledge while comparing any product. But this is where we cannot be careless. Our judgment may not always be accurate. We learn from our mistakes as time passes by. But our advancement in technologies has allowed us to easily and freely acquire a huge number of information via the internet. The internet allows us to collect a great number of data on a particular subject, in this case about the product. We can easily get information on the providing companies of such products and get customer feedback about their reputation and product. But these much information can also confuse us. So we can get specialist opinions on it via the internet.

Short listing the most reliable:

After thorough research on credit cards and the providing companies, we should sort out the ones that perfectly or closely resemble your demands. After the short listing you will see that there are a few providers left to choose from and from it you will be able to find the right company that best meets your demands.

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Article Source: [http://EzineArticles.com/?Compare-Credit-Cards---How-to-Effectively-Find-the-Right-One&id=4333601] Compare Credit Cards - How to Effectively Find the Right One

Compare Credit Cards - How to Find the Right Credit Cards

By [http://ezinearticles.com/?expert=Harriet_Y_Chan]Harriet Y Chan

There are reasons why some people prefer this type of credit card, others that and more people don't care much about another!

People choose credit accounts for different reasons: interest rates, charges, incentives and rewards and their qualifying requirements. When applying for credit, especially for the first time, there are a number of things to consider. It is unwise to grab the first credit offering that come your way because if you realize half though that it is not really for you, it can bring about problems that can greatly affect your credit rating.

A good, if not impressive, credit rating is important as this can influence your future financial endeavors that include applying for better credit accounts and loans for your home or car. Bottom line is, there are credit cards that may be good for you and there are others that are a bad decision. So before you even apply, compare all available credit offerings you qualify for and take your time to choose.

One way to tell whether a charge account credit service is for you or not is to understand how these payment facilities work in the first place. Plastic money don't stop at being a convenient way to pay for purchases without cash, almost every transaction you make with these facilities come at a price so beware and think twice before you swipe.

Here are some facts you need to know about plastic money:

� Credit providers and banks often work with other companies (i.e. airlines, cell phone companies, retail chains, etc.) to offer the best incentive plan to gain customer loyalty. If you are the kind of consumer that enjoy shopping, travelling, dining, etc. then a co-branded plastic money may be the right option as this payment facility can give you access to promotions and discounts which are otherwise unavailable to regular cash-paying consumers. You can earn points in purchasing commodities and services using the payment facility and redeem these through items and cash backs.

� Credit card providers impose varying rates on the credit account's balance. There are some providers that offer lower rates on balance transfer but could impose a higher regular interest rate later on once you're already with them for some time.

� Another deciding factor is the credit provider itself. The largest and most trusted of all credit card companies are MasterCard and VISA but there may be smaller or newer companies that offer better consumer incentives.

� If you think that credit providers earn solely from the interest they charge on the balances, think again. They also earn from the annual fees they collect from their cardholders. Some companies charge higher annual fees but lower interest rates and others charge lower annual fees but they impose higher rates.

These are only some of the things you need to know about credit cards which can influence your choice. The selection process could be a little frustrating but it will all pay off once you get approved for the right credit account that suits you best. When you finally get your plastic money, don't forget to use it responsibly and pay promptly.

Take A Look Here

South Africa has a plethora of credit card options and if you want to know and compare them, click here now [http://comparecreditcards.co.za/].

Article Source: [http://EzineArticles.com/?Compare-Credit-Cards---How-to-Find-the-Right-Credit-Cards&id=6581029] Compare Credit Cards - How to Find the Right Credit Cards

How to Effectively Compare Credit Cards

By [http://ezinearticles.com/?expert=Clara_Ghomes]Clara Ghomes

When you tend to apply for something, there is quite nothing like knowing all about what you are getting into rather than learning about in a bad way. With credit cards, this is all the more applicable, and you should keep in mind that when you are comparing credit cards, you have to factor in certain things that you wouldn't have done on a normal basis. One of these things would be to know where to go when you have decided to compare credit cards. It is important to go to a neutral place which will help you see all the available options in an appropriate manner and not end up biasing you into choosing something.

Go Online

The first place that everybody would want to go to would be internet, as this is a pretty interesting place to learn about things that you were previously unaware of. Of course, you should go to the right website, as comparing it in an incorrect website is just going to make matters worse. Do your research and look around for a site that can help you choose the perfect credit. Once you have correctly compared credit cards on this website, you can make your final decision.

Look As The Important Factors

It is very easy to think with your heart rather than your mind. There have been instances when people have actually chosen cards because they liked how it looked! Don't let this person be you and remember that you have to learn to correctly identify the different parameters like interest rate, annual fees and things like that in order to get the perfect credit. Make sure that you have factored in all of this when you have decided to compare credit cards. After all, you wouldn't want to end up with a pretty looking card that is practically unusable or unsuitable for your requirements.

Consider Perks

Don't look at short term benefits, as there are associated benefits also that you need to factor in before you can decide to go in for any particular kind of card. In certain cases, you might be able to get cards that are extremely beneficial for using not because they are very low on interest or have lower annual fees, but because they are more rewarding for using. This is not a particularly important factor to keep in mind, but nevertheless something that you would to keep in mind before you do make a choice and go in for good for a particular credit card.

As mentioned before, there is quite no joy like that of landing with the perfect item. Imagine with a good credit how much more you might be capable of. You have to factor all of this before you can make a choice and go in for any particular one. Seek help if you find it excessively daunting to compare credit cards. The extra effort will be worth it as you will be able to get a good card that pays off and is an important asset in managing your finances.

To understand more about how to [http://www.credit-land.com/]compare credit cards and how to apply for [http://www.credit-land.com/]online credit card, you need to go to the link credit-land.com/ and see all the different things that go into a credit card.

Article Source: [http://EzineArticles.com/?How-to-Effectively-Compare-Credit-Cards&id=4177288] How to Effectively Compare Credit Cards

How to Compare Credit Cards Providers

By [http://ezinearticles.com/?expert=Russell_Marlow]Russell Marlow

For all the doom and gloom about the current economic recession gripping the country and all the talk about the difficulties of obtaining credit -  when it comes to comparing credit cards, it's evident that the market is still fiercely competitive. There are different cards to suit different people, introductory offers of zero percent interest and zero-interest balance transfers, and a range of different rates of interest on the credit. Comparing credit cards can be an important exercise.

Comparing credit cards is not just about comparing the wide range of advertised interest rates - invariably expressed as the annual percentage rate, or APR, to make like with like comparisons easier. Choosing the right credit card for you is just as much a question of deciding what type of credit card user you are.

If you always repay any outstanding balance on the card every month, thus never accruing any credit interest charges, the rate of interest applied by the card issuer is, of course, of only academic interest to you. But there's still potential for comparing the card you currently use with ones that might offer additional benefits such as "reward" points for redemption against a whole range of goods from CDs to travel, fuel discounts or even discounts on the price of a new car. A variation of the reward or loyalty principle is the cashback card that can actually repay you for using the card.

The majority of credit card users, however, end up paying some amount of interest on their transactions each month. In that case, of course, the card's rate of interest will determine just how much needs to be paid and selecting a card with the lowest rate of interest will make a great deal of sense. There are often ways that the user can minimise the amount outstanding at the end of every month - by setting up a direct debit payment into the credit card account each month, for example - but at the end of the day, the amount charged in interest on any outstanding balance will still be determined by the rate.

If you're such a card user, or one who has already built up a sizeable and seemingly unchanging debit balance, then it could certainly be worth comparing credit cards to find those offering zero-percent interest on balance transfers for an introductory period. These periods can last as long as 12 months and could provide an excellent opportunity for finally tackling the outstanding debt and attempting to clear it once and for all. It's worth bearing in mind, however, that many balance transfer deals continue to apply interest (in the first place) on any new purchases. So, unless the introductory deal also comes with zero-percent interest on new purchases for a certain period, then interest charges can continue to accumulate.

With such a wide range of credit cards available and given users' differing spending and repayment habits, comparing credit cards is key to getting the right deal for you.

Russell Marlow is a London based freelance writer who writes about financial
products including credit cards [http://www.tescocompare.com].

Article Source: [http://EzineArticles.com/?How-to-Compare-Credit-Cards-Providers&id=2140350] How to Compare Credit Cards Providers

Why Comparing Credit Cards Before Applying is So Important

By [http://ezinearticles.com/?expert=Michael_Strauss]Michael Strauss

Although the essential purpose of all credit cards is similar, the benefits and uses of credit card products can very greatly from one company and one card to another. Comparing credit cards and selecting the best option is much more complex in today's 'borrow and spend' society. It involves much more than simply deciding to get a credit and searching for the best interest rate available.

The process of comparing credit cards is incrementally greater with the tools and resources available through the expansion of the internet. It is now much easier for consumers to compare credit companies, learn about deceptive credit techniques, and find the best products and rates.

Interest rates are only a piece of the comparison puzzle. There are several different types of credit card products common to the consumer market today. Many companies offer some type of introductory or promotional offer to entice borrowers to their products. These include zero per cent balance transfers and zero per cent introductory purchases for initial periods of time.

Again, since these promotional offers are somewhat common, there are still more specific credit card features to consider when finding the most appropriate product for your needs. Most companies offer products with different benefits and name them gold, platinum, silver, standard, or similar names.

Some cards are intended for regular card users who maintain some balance on their cards. For users who maintain balances month-to-month, a low standard purchase rate is important. Other card users do not maintain balances over time and do not keep balances past their grace period. These users do not benefit greatly from a much lower rate, so they prefer other perks. Credit card reward programs are designed to offer incentives for regular balance payers to make purchases. Eventually, the card company would prefer the user maintain some balance in order to recoup interest payments.

The key with getting the right credit card product is to carefully compare credit cards. This is easy to do with online brokers and credit card sites. Consumers can complete questionnaires that explore their spending habits and credit card goals. This allows search programs to pull together the right card products for consideration. Much of the details that make a credit card the best choice for a given consumer are found in the fine print. Length and impact of promotional terms is vital. Long-term goals with the card also offer direction when reviewing the details of a card's benefits and costs.

Michael writes for Cardsense where you can [http://www.cardsense.co.uk/cashback.html]compare cashback credit cards as well as the [http://www.cardsense.co.uk/balance-transfer.html]best balance transfer deals.

Article Source: [http://EzineArticles.com/?Why-Comparing-Credit-Cards-Before-Applying-is-So-Important&id=1478060] Why Comparing Credit Cards Before Applying is So Important

Comparing Credit Card Options - Which is Right for Me?

By [http://ezinearticles.com/?expert=Liza_Mathers]Liza Mathers

It can be very confusing trying to decide what types of financial accounts and financial devices are best for you as you go about taking the time to compare credit card options.  In this regard, you may be wondering about the benefits of a debit card and the benefits of a traditional credit card.  Indeed, you may be wondering whether a debit card or a credit card is right for you.  You may be wondering whether or not you should have both a debit card and a credit card.  Through this brief article, we present you with some points to ponder when it comes to a credit card versus a debit card and which card is right for you.

As you do compare credit card options, you need to note that debit card has the look and feel of a student credit card -- and in this day and age can be used in many of the same places and locations that do accept credit cards.

 However, a debit card does not function in the same manner as a student credit card.  A debit card is connected to an account that normally is located at a bank, savings and loan or credit union.  When you make a purchase with a debit card, the amount of that purchase is withdrawn out of that account.  In addition, you normally can obtain money from an ATM with your debit card.

On the other hand, a traditional, unsecured credit card does not require you to have funds held on account in order to use the devise. (Of course, the exception is a secured credit card.  With a secured credit card, you do need to post money with the credit card company.  But, when purchases are made with a secured credit card, money is now actually drawn out of the cash that you have posted. 

That money is only accessed if you default on your regular payments to the credit card company.)  With a traditional credit card, you can make purchases or obtain cash advances up to the credit limit that has been established by the credit card company.)

In reality, depending on your circumstances, it actually might be wise for you to have both a debit card and a credit card.  The fact is that having just a debit card or just a credit card really should be the exception and not the general rule.

There are benefits that can be derived from having both a credit card as well as a debit card.  For example, by having both types of cards, you can use your student credit card for emergencies and for major purposes for which you may not have all of the cash you need on hand for such a purpose.  Your debit card can be used for smaller and for day to day purchases.

By using these cards in this manner, you will be able to build your credit and raise your credit score -- provided you pay your credit card bills in a timely and appropriate manner.  In addition, you will be able to live your life on a reasonable and responsible budget by monitoring and controlling your spending with the aid and assistance of a debit card.

If you are prone to misusing your [http://www.seek4finance.co.uk/credit-cards/]credit card, to over spending with a credit card, you might want to forgo such a device and stick to a debit card.  With a debit card, you can only spend what you actually have in your account.  As you do [http://www.seek4finance.co.uk/credit-cards/]compare credit card options, you will be able to best determine which course of action will make the best [http://www.seek4finance.co.uk/]personal finance sense for you today and into the future.

Article Source: [http://EzineArticles.com/?Comparing-Credit-Card-Options---Which-is-Right-for-Me?&id=976069] Comparing Credit Card Options - Which is Right for Me?

How To Compare Credit Card Offers

By [http://ezinearticles.com/?expert=Joseph_Kenny]Joseph Kenny

Getting the credit card you want makes having the right one worthwhile. So many different offers make it necessary, though, to compare credit card offers before you sign on the dotted line. Here are a few tips about things to look for that will help you get the right one.

Go For 0% APR Interest

One of the best cards will give you an introductory period of anywhere between 12 to 15 months. Note that some cards, though, only give you the introductory offer for either 3 or 6 months - that is hardly a serious offer these days. With the longer time period you can have no interest on things that are charged to the credit card. This means savings for you and the option to make payments as long as the introductory offer lasts. Just be sure to make your payments on time.

Balance Transfers

A good credit card will give you this option, but if you have no existing credit card balances - then you probably will not need it. If you do, though, this feature allows you to transfer those balances onto this new credit card. Look to make sure that the 0% APR interest actually applies to the amounts transferred, though, since many cards have a different rate of interest for transfers. You also want to see if there are any fees for the transfers, since some cards can charge you up to 4% for the privilege.

Interest Rate

Getting the card you want means comparing credit card offers on the interest rates. Some are low interest, and others are higher. The interest rate refers to the amount of interest you will pay after the introductory time limit is expired. But this rate can also kick in if you are ever late - even on a single payment. The better your credit rating is - the lower level of interest that you will be able to get. If you are in the habit of paying your credit card bills always on time and in full, though, you will never need to worry about the interest rate - since you will never pay interest (on most cards).

Rewards

There are many types of rewards you can get with credit cards, but be sure to compare and get one to meet your needs. Also check to see what kind of rebates / discounts / cashback you get with ordinary purchases - it can all add up.

Other Fees

Many credit cards carry a number of fees with them. Be sure to compare your credit card offers in relation to the fees on them. Some cards have almost no fees attached, and other cards can almost drain you dry from an excess of fees. These fees may be listed as annual fees, minimum balance fees, activation fees, monthly maintenance fees, late fees, and many more.

By making sure that you compare credit card offers - at least six to ten different ones, you will be able to select the one that is best for you. Read the fine print carefully since signing may by itself put some charges onto an account you have not even used yet.

Joe Kenny writes for the Credit Card Guide, offering the latest 0% credit cards [http://www.cardguide.co.uk/], visit  today for introductory 0% balance transfers [http://www.cardguide.co.uk/transfers.html] and start clearing credit card debt today.

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Why It Is Important To Compare Credit Card Offers

By [http://ezinearticles.com/?expert=Todd_Holliday]Todd Holliday

Credit card offers used to come in the mailbox in droves. The credit crunch dried up a lot of those offers but fortunately credit is on the mend and card offers are starting to arrive again. Most people when they go to the mailbox will take one of two actions after they have received an offer in the mail. Some people will take the card offer and immediately throw it away in the trash can. Others, will take the offer and right away fill out the card application. If you are the type of person who fills out the application right away, then you should continue reading this article.

Credit card debit is consuming Americans by the thousands. Everywhere there is a preacher on the corner spreading fear about their usage. Owning a credit card can put you at risk for becoming in debt, however, you can also control that risk. Offers when used properly can help the average American in times of need. After you have received the offer in the mail, it is important to become familiar with the rules and regulations that pertain to that particular offer. You should do this even before you send the application off in the mail or submit an online application. Go through the terms and conditions and make sure that you understand thoroughly how the offer works. The terms and conditions will explain to you the due dates for you bill or how you can access your account online. The terms and conditions will also explain late fees, over the limit fees as well as how to redeem your rewards points. Understanding thoroughly the terms and conditions will put you one step closer to being able to complete the application.

The main reason that you want to compare credit offers online is in order to save money. By comparing you will be able to see the interest rates amongst a variety of cards. Furthermore you will be able to examine other features and rewards categories in order to make the proper decision. In addition, you will be able to see what cards have annual fees and what cards do not. You will also be able to look at other things such as late fees or even over the limit fees. You might even want to look at offers that do not have any rewards benefits and is going to give you the lowest interest rate possible. If you do not do not compare before you apply you run the risk of signing up for an offer that does not really suit your needs. Those who do compare card offers thoroughly will be able to make the best educated decision.

It is also of utmost importance to know what you are going to be needing in before you actually apply. Perhaps you are looking to transfer a balance from another card. Then at this point you would want to compare balance transfer offers and perhaps get yourself a 0% introductory offer with 18 months of free interest. On the other hand you might be a frequent traveler who will make the most use out of an airlines rewards credit card offer. In this case, you will want to compare airlines offers and determine which one has the best features that fit you. For example if you do not live in an area that is serviced by Southwest Airlines than the Chase Southwest Airlines rewards card offer might not be your best bet. Perhaps you live in area that is serviced by Delta airlines then a card like the American Express Delta Airlines credit card will be you best bet. If you are going to be carrying a balance on a monthly basis than you might want to opt towards a card that does not have any rewards features at all. A no frills card such as the Simmons First card might be your best decision yet.

The reasons for the importance of comparing card offers are numerous. The main and best reason is that you will be able to save money. In addition, you will not get stuck with a card that does not suit your needs the best. Furthermore, you will be able to make the best educated decision possible by comparing credit card offers.

Todd Holliday is an avid writer who enjoys subjects such as [http://www.comparecardsnow.com/]business credit card offer and [http://www.comparecardsnow.com/]best credit card offers.

Article Source: [http://EzineArticles.com/?Why-It-Is-Important-To-Compare-Credit-Card-Offers&id=5821085] Why It Is Important To Compare Credit Card Offers

How to Compare Credit Cards - Prepaid Visa

By [http://ezinearticles.com/?expert=Terro_White]Terro White

Credit cards are commonplace investments these days. Today a number of credit card offers are rife with facilities that actually help you to get rid of debt. Firstly when people hunt for prepaid visa cards, the most important task at hand is to compare credit cards. If credit card comparison isn't done, you could land into serious trouble.

How To Go About It?

1) Compare the approval process

2) Look for a direct deposit facility

3) Compare fees

4) Compare reward points

5) Review the terms and conditions so that it is easier to get the best credit card

Prepaid Visa Card (also known as the stored value card) is a pre-funded card. They require payment in advance to the card company, after which the card can be used until the payment is over. Prepaid Visa credit cards are also sometimes called gift cards by many consumers due to similarities in function.

It has also been preloaded with an amount of money, just like a debit card. The cards can be used anywhere. Visa Credit Card is accepted at ATMs worldwide. What is great about this is that the customer hasn't to neither stash huge amounts of money in the wallet nor pay for interest rates. You end up splurging on your own money? not borrowed dough!

How Can To Compare Those Prepaid Cards Under The Visa Name In The Market?

Here Are Some Comparison Tips:

1) Compare banks: Find out which banks offer this services and which one gives the best deals. Choose the bank that is easier to transact with.

2) Compare purchase protection services: The card should have purchase protection facilities. If the card is faulty, the company does give a reimbursement. Normally the company takes 3-7 days, select the company which completes the process as soon as possible.

3) Compare credit score: Find out if the company can help in scoring more while using the card like rewarding points on purchases.

4) Compare Foreign Transaction Fees: Find out which card company offers the lowest foreign transaction fees. This allows making purchases from abroad while paying a reasonably low transaction charge.

5) Compare other features: Some cards have features wherein cash can be shared by using the cell phone. Some even offer an extended warranty service. Check out all other services these card deals with.

These are some pivotal points a person needs to compare when choosing prepaid visa card. It helps to also find out the right resource to make the purchase. A good credit card is an asset. After all you are not getting the credit for free. There is a payback and the sooner you realize this, the better.

Hence it pays a lot to look for conditions that buy you enough time. A good card company will always respect your fiscal health too and hence it pays to personally interact with the representatives to gauge this sensitivity rather than complete all processes online. At the end of the day, your fiscal health is of utmost importance.

It is not at all a difficult task to [http://www.credit-land.com/]compare credit cards offers. The investment of quality research time and combing through the fine print helps you to benefit from offers such as the Visa Prepaid.

Article Source: [http://EzineArticles.com/?How-to-Compare-Credit-Cards---Prepaid-Visa&id=4707914] How to Compare Credit Cards - Prepaid Visa

What You Should Look at to Compare Credit Cards

By [http://ezinearticles.com/?expert=Terro_White]Terro White

Are you flooded with information about credit cards, the deals, offers and interest rates on outstanding dues? If you are getting more and more calls from credit card agents singing paeans about their own cards, you need to step back and streamline your process to compare cards. This might not be an easy task and after all due diligence some people still end up making a wrong choice.

This is partially because of the amount of information available due to which some valid points and key issues with a credit card might be missed. It could also be because of extravagant offers which have associated strings, conditions and strange terms which may not prove so attractive after all.

How To Compare Credit Cards?

The first step is to always know your purchasing power. It might seem strange but the best thing sometimes but you might have to say no to a few things these card companies offer you. This will save a lot for you in terms of expenditure in the long term.

Do not compare cards based on the credit limit on offer. Some people in business need higher limits for bigger expenses, but otherwise, it is best to take credit cards with lower expenses. This will ensure you will never cross your limits of spending. You personal salary might enable you to get a greater credit limit, but lower limit is safer for you and also in scenarios of card fraud, theft or misuse. The upper limit is under your control.

You should compare cards based on the regular interest rate if you are planning to use it on the long term. Some credit cards have low interest rates initially but if you don't have outstanding dues and have a good credit history, it is better to take a card that will charge you less in the long run. Always look out for processing and annual fee. Some cards waive off these charges while others have hidden charges which you must ensure you know.

Special Benefits

A part of the attraction, when you compare credit is the big offers. One movie ticket free for another, cash back offers in your favorite stores and discounts all help you save a lot of money. But you must be cognizant of the fact that you end up spending more than what you have saved because of the comfort of the cushion that these discounts provide. A good example is watching a movie to avail the offer, when you wouldn't have paid even for the single ticket otherwise. Similar is the case with shopping. So a decent amount of self restraint is expected from credit card holders.

Security of the card and what are the card protection features available is one thing you must know about. Three digit security code, theft assistance, zero liability and constant fraud monitoring systems are some of the benefits some cards provide. These are always safer and hence give you less anxiety compared to cards which do not have extensive card protection systems in place.

To understand the need to   compare credit cards and the factors you need to consider, visit the website http://www.credit-land.com/

Article Source: [http://EzineArticles.com/?What-You-Should-Look-at-to-Compare-Credit-Cards&id=4510259] What You Should Look at to Compare Credit Cards

Why You Should Compare Credit Cards Before Applying

By [http://ezinearticles.com/?expert=Jon_Francis]Jon Francis

You have been pre-approved for a low interest credit card with a typical APR of 12.5%, and an introductory rate of 7% for the first three months. There's an application fee of £25, and an annual membership fee of only £22.50. Does it sound like a good deal to you? Unless you take the time to compare credit cards with similar terms and rates, how would you know?

Think twice before you apply - or three times, or four. If you're considering applying for a new card, you should take the time to compare options to be sure you're getting the best credit card deal available to you. When you take the time to compare before you apply for a credit card, you'll save yourself money, time and possibly the headaches that go along with black marks on your credit report in the future.

1.    You should compare credit cards based on how you intend to use them.

Make your comparisons based on the way you handle your finances. Do you pay off all your accounts on time every month? Then you'll want to apply for a card that offers you rewards for using it - or one that shares its profits with a charity through a spending rewards program.

2.    Compare credit cards by APR if you intend to carry a balance.

If you tend to purchase things on impulse even if you'll have to pay them off over several months time, then you should be aiming for the lowest possible APR that you can get.

3. [http://www.moneyeverything.com/cards]Compare credit cards by adding up all the fees and costs associated with using them, and choosing the ones that will cost you the least and offer you the highest benefit.

You can find all the information that you need to compare credit cards online at moneyeverything.com. You can find many different offers for various kinds of credit cards, and check the details and terms and conditions before you apply. That way you'll only apply for the options that you're most likely to be approved for. That's important because whenever you apply, the company reports it to a credit bureau, and the credit bureau notes it on your record. Every time you apply for finance, try to let a flat or apply for a position, chances are that your potential creditor, landlord or employer will check your credit record or credit score. While there's nothing implicitly wrong with applying for many credit cards, lenders often cast a wary eye on people who've applied for many in a short period of time. It's far better to sift through the offers, figure out which ones are likely to approve you, and apply for those credit cards.

If you don't compare credit cards - if you just apply for the first one that catches your eye - you could be doing yourself out of a deal that will cost you far less in the long run.

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Compare Credit Card Offers and Save Big Money

By [http://ezinearticles.com/?expert=Ason_Jackson]Ason Jackson

Did you know that credit cards are just a different kind of loan? While some loans, once paid back, disappear, they are an ongoing source of loan to borrow from. Just as you would compare various loan products when you are looking to borrow money, you should also look to compare credit card offers to see which one is the best for you.

The options are endless because card companies want you to find the right card for you. So, what are the factors that you should use to compare card alternatives with? Here are a few that we'd suggest:

Compare credit card offers with...

�  Interest rates on various ways you'll use your card. (Sometimes there might be different rates, depending on whether it is unpaid portions over the repayment period, balance transfers, cash advances, etc.)

�  Penalties, fees, surcharges, etc.

�  Repayment period (in which you usually are allowed to pay the money without any interest).

�  Reward points or frequent flier mile and what you can redeem them for. (Be sure to only choose credit cards that are actually useful to you by offering you points that you can spend. For example, if you never fly, there's no reason to get a frequent flier card).

�  Insurance availability, including travel insurance, car rental insurance, health insurance, and purchase insurance.

�  Fraud prevention program (including technological safeguards, like chips or PINs, or head office security checks).

�  Cash advance options (including how much, how often, and where accessible).

�  Credit limits (and how often these are revisited).

�  Statement dates and payment due dates. (Make sure these correlate to when you get paid).

When you compare credit card offers, you'll easily narrow down your options from potentially hundreds of cards to just a few that are the best for you.

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Comparing Credit Cards

By [http://ezinearticles.com/?expert=Stuart_A_Mcmaster]Stuart A Mcmaster

All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. Comparing credit cards and different card issuers does not have to be a hopeless task. Banks and credit card companies are in serious competition against one another to try to get your business. So they try to out do each other by offering different rebate programs, incentives and an assortment of other perks.

First check to see what each bank or credit card company has to offer you before you decide to choose their card.  If you get an offer in the mail for a credit card, you should go on the Internet and look into it more.  You should also make sure that you read the fine print as well, to see if there are any type of hidden fees or other costs associated with that card.  Many times, with offers in the mail, credit card companies or banks will try to sneak hidden fees and costs in there.

When you start to compare offers, you should make sure that you look at the APR and the fees.  It is very important to know the APR because it will determine your interest rate on that card.  You want to get the lowest possible APR that you can on any card that you get.  If you look at a credit card that has an unusually high APR, you should immediately rule it out.  Credit cards that carry high APR traditionally lead people on that eventual road to credit card debt.  Regardless of how good your credit may be, when you have credit cards that carry high APR rates, you will find that you are left with charges that are difficult to pay.

Among the many options available to you, you'll have three primary choices for your credit card - Visa, MasterCard, and American Express.  These are the three giant credit card lenders in the Untied States.  While MasterCard and Visa don't actually issue the cards themselves, American Express, or AMEX, does issue their own cards.  MasterCard and Visa rely on credit card companies and banks to issue cards on their behalf while AMEX not just issues the cards but maintains their own network and doesn't use any type of outside third party whatsoever. They do literally everything themselves.

If you like to travel, you will probably want to choose either Visa or MasterCard, as they are accepted all over the world.  Though American Express is now upgrading their networks the best they can, they are still the least accepted of the three.  It is also true that in due time AMEX will be accepted virtually everywhere as well, but for now they are not accepted in all areas of the world like Visa and MasterCard are.

Discover is another type of credit card, although it isn't near as popular as Visa, MasterCard or American Express.  Though Discover is not accepted in other parts of the world, they do have some great benefits to offer to you.  Most Discover Card users use their cards locally and also use them in the event of an emergency.  If for some reason you have been thinking about getting a credit card and you were actually leaning towards the Discover Card, you may want to reconsider and choose instead the Visa or MasterCard. 

So all in all, comparing credit cards and choosing the one that is best for you can be job in itself as there are a lot of credit cards to choose from.  Though there are many great offers everywhere from credit card companies and banks, remember the final decision is entirely up to you. You can look locally at a bank or online for a credit card company to fill your needs.  You can choose to go with a company or bank that's local to you, or get online and look for your credit card. 

The Internet can be a great resource for credit cards, as long as you know what you want. What are the options, incentives or rewards that you will benefit from the most?  If you actually know what you want before your begin your search you will find that you save yourself a ton of time by avoiding those unnecessary options that are not important to you.

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Compare Credit Cards to Locate the Very Best Offers

By [http://ezinearticles.com/?expert=Zach_Ballard]Zach Ballard

It seems as though just about every consumer in the united states at present has or perhaps has previously owned a credit card of some type. Credit lines tend to be handy and much more secure compared to cash. If you're currently searching for your initial credit card, or perhaps you are simply searching for a more desirable one, here's a few guidelines on how to compare credit cards.

The APR is going to fluctuate with each individual offer. Usually cards offered through the same provider could have different rates. You need to obtain the most favorable interest rate and this is particularly significant if you intend to maintain an account balance from one billing cycle to the next.

It's pretty much out of the question to identify a card that does not impose some type of fee and several cards will impose several different fees. The most well known charge is the once a year fee, which is more or less a fee that you must pay just to have the ability to use your card each year.

Sometimes it's divided into smaller monthly premiums but it is still a portion of the yearly charge. Some other costs most likely include things like overdue payments, exceeding your credit line along with balance transfer expenses. While most cards could have these kinds of charges, compare credit cards to determine the promotion that has the cheapest service fees. Should you be looking for money back you really should check out the Discover More card.

The grace period is a window of time that you will not have any interest fees incurred for the debt you're incurring. This is commonly anywhere from 20 to 26 days. You'll have time for you to reduce the balance before getting charged interest charges so compare credit cards to discover which kind of grace periods they come with and watch out for promotions that don't feature them in any way.

When you have a list of a few potentially attractive card options, do a comparison of the providers. Try to find online reviews from prior as well as present customers to determine just what exactly their particular assessments are. Many people fail to take some time to accomplish this and turn out wishing they had.

It could be a rather arduous process to compare credit cards but you'll end up very pleased you took the time. You really would be amazed at the amount of money you can save by doing your research. You already know this to be the case when you're looking for things like apparel, autos and other products so you should carry that outlook over to shopping for credit cards also.

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Compare Credit Cards Online

By [http://ezinearticles.com/?expert=Ungira_Pandit]Ungira Pandit

A credit card is a card given to an individual by the bank to make purchases with. By giving this card to an individual, the bank gives them the authorisation to purchase anything up to certain agreed upon limits as a credit. The bank pays for the items the individual purchased with the credit card and over time the card holder pays back the bank through regular monthly payments. If the card holder fails to pay the bank back in a timely manner, the bank has full right to add interest charges to the unpaid portion. If your spending gets ahead of your budget, a card can be a scary thing to possess. There are some card companies that actually target young inexperienced individuals and dupe them into believing it's a good thing to have. Later the card holders realize how much financial trouble the credit cards have put them in.

It is important to get a credit card from a company that will not charge you exorbitant interest rates or put you into debt and will let you spend on the things you really desire. When you try and compare them it can be a confusing process and it is essential to know the facts to make the right choice. Never go for the first company that approaches you. Scope out and investigate what's available in the market currently. You should begin to compare cards by making a list of financial priorities in your life.

Decide what you really need to use the credit card for. You will get an idea of how much you will need to use on your card and for what. Cards have a certain limit depending upon the type of card you've chosen. After making a list of priority expenses you will get an idea of what card limit to aim for when you compare credit cards. After grasping your financial priorities this will further prevent you from getting sidetracked or distracted with different offers and credit limits because you'll know exactly what you want. Knowing what you want will prevent card salespeople from taking advantage of you.

If you need to buy more expensive larger items with your card, then your main goal when you compare cards should be to get the lowest annual percentage rate also known as APR. The APR is the accumulated interest you'll have to pay on the amount you owe for purchasing a largely expensive item. Since it is so expensive, it will take you longer to pay off, so low APR will be in your best interests. The amount of APR you pay to a card company is determined after taking a look at your credit history. If in the past you have paid off all your loans on time and regularly, you will definitely be granted a low APR for card purchases.

Ask the card company about their annual fees, and other incurred charges involved with their credit card to get a clear picture of what the conditions entail. Penalties, late charges, and grace periods are all key things to inquire about so you know what you're getting into before signing. Also remember to inquire about where the card is accepted and whether it has national or international features. When you compare credit cards and take the effort to research the market you should be able to come out with a choice to give you the best card for your financial needs.

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The Ninja Way to Compare Credit Cards

By [http://ezinearticles.com/?expert=Panah_C_Rad]Panah C Rad

The credit market may be in tatters and the economy in the state of recession, but consumers will still need credit cards to purchase their everyday needs. There are many tempting credit card offers out there, but not everyone is right for consumers. With all the hidden fees and interest hike stories that the consumers have complained about in the media, now more than ever the consumers need to do the due diligence before applying for a credit card.

Finding a good credit card is more than finding the card with the lowest purchase APR or annual fee. Depending on your needs, the card with the lowest purchase APR may not be right for you. Here are the factors that one needs to take into account before applying for a credit card:

Annual Percentage Rate: APR is one the most popular factors used by consumers to choose among the hundreds of credit card offers on the market. But APR is more than just a number. The consumers should not only pay attention to the purchase APR, but also to balance transfer and cash advance APR. It is easy to assume that a card that claims to come with a 0% APR for purchases offers the same rate for balance transfers and cash advances, but that's usually not the case.

Fees: there is more to credit card fees than just the annual fee. Some credit card companies charge 3% per each balance transfer (with a minimum and maximum fee). In addition, there are cash advance fees, convenience check fees, foreign transaction fees, and bank wire payment fees. Failing to understand these fees often leads to surprises on your monthly bills.

Introductory rate: credit card companies understand the nature of the market they are in. That's why the keep changing their offers to top those of their competitors. Many folks sign up for credit card offers to take advantage of these introductory rates. But it is essential to understand how long these rates last and what the real rate would be after the introductory period is over.

Grace Period: many folks assume that they receive a grace period of 30 days on all their cards. Some cards such as Plum come with a grace period of 60 days. Some others come with the grace period of only 20 days. Ignoring your grace period could lead to late payments and a knock on your credit score.

Signing up for a credit card will get you into a relationship with your credit card issuer. By comparing credit card offers and understanding the terms before applying for a card you can avoid major surprises on your bill and enjoy a better business relationship with your credit card issuer.

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Compare Credit Cards Before Saying Yes For a Particular One

By [http://ezinearticles.com/?expert=Salman_Salim]Salman Salim

From the very day of its invention, credit cards came in huge demand and now-a-days, rule the world of commerce. One can not even imagine a world without these plastic cards. And it will be no exaggeration to say that these plastic cards have made our lives much simpler and comfortable. Now, one can go shopping with his/her friends or family without worrying about running out of money. All one needs to do is one in their pocket and it's all done. However, before one go for a card, there are a number of factors which one should take into consideration.

Shopping Around: Yes, one must shop around before signing up for a particular bank. Different banking institutions come up with different offers and thus, shopping around helps one in grabbing the best card with ease.

Make sure to compare the interest rates: Different banks charge different interest rates and thus you need to do a detailed analysis. Always try to find out what sort of interest rates the bank charges or can the bank make a change in the interest rate without giving any notice?

Compare Credit Cards: Once you have zeroed in on some card issuers, it's the time to compare them. Interest rates, interest free period, annual and monthly fees are amongst the things you should check out, before you make up your mind for a particular credit card.

Talking with the existing credit card holders: To grab the best card, you should also talk to the existing card holders who may be your friends or relatives. Ask them if they are happy with the card and the company. If satisfied with the above answers, all one should do is go forward and ask for the credit card. But make sure that you compare credit cards.

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