Making Sense of Credit Card Offers

By [http://ezinearticles.com/?expert=J._Weiss]J. Weiss

Have you received credit card offers in the mail? If so, you might have wondered which cards really offered good deals. Credit cards can be helpful budgeting tools, or sinkholes of debt. The difference is in the details: some cards have high rates and fees that make it difficult to keep your debt in check. Take a moment to compare credit cards before you decide to carry one in your wallet.

Credit card offers list the terms and conditions of various cards. When you compare credit cards, look at the interest rate, also known as the APR. It might be listed as 0%. If so, you can bet that it will be much higher in six months to a year. 0% interest cards have introductory phases. After that phase has ended, they are subject to regular interest rates. Most cards offer 12-24% interest rates. The lower the rate, the faster you'll be able to pay off your debt.

Also make note of the type of interest rates on your credit card offers. Some rates might be "fixed", and some might be "variable". Choose fixed-rate interest whenever possible. Variable interest rates can change with little warning from the card issuer. If you do choose a credit card with a variable interest rate, make sure you know when and how much that rate can change.

When you compare credit cards, you'll notice that some of them come with quite a lot of fees. There can be application fees, processing fees, annual fees, late fees, and fees for going over your credit limit. Fees can also apply when you close your account or make a balance transfer to another card. The credit card industry is competitive, so don't waste your time on credit card offers that indicate exorbitant fees.

Your next step when you compare credit cards is to look at the credit limit each one is willing to give you. Some might offer low limits, while others might offer you thousands of dollars. Higher credit limits can improve your credit score, but they can also tempt you to spend money on things you can't really afford.

Always check the small print on credit card offers. Companies should tell you their policies regarding interest-free grace periods, late payments, and how you will be informed if changes are made to the terms of your contract. If you have questions about specific policies, call the card's customer service division and ask to speak with a representative. Most card companies are only required to give 14 days' written notice when making changes to your account. There is pending legislation that seeks to compel card issuers to give more notice before such changes are made.

Don't just accept the first credit card offers that come along. Take the time to compare credit cards. They can be great for building up your credit, but they can also leave you with a heap of debt if you don't use them wisely. Look for good deals with low fees and interest rates. The research you do in the beginning can save you a lot of financial heartache down the road.

This article is courtesy of CreditorWeb.com, where you can compare [http://www.creditorweb.com/categories/business-credit-cards.html]business credit card offers and apply for [http://www.creditorweb.com/]credit cards online.

Article Source: [http://EzineArticles.com/?Making-Sense-of-Credit-Card-Offers&id=1472132] Making Sense of Credit Card Offers

How to Choose the Top Credit Cards For Your Needs

By [http://ezinearticles.com/?expert=Ben_Gavin]Ben Gavin

How do you choose which credit card is best for you? The answer depends on what you want to use your card for. A credit card gives you a credit (or a loan) for a certain time period before charging you interest. Different card providers charge different amounts of interest depending what you use it for.

In essence there are three ways to use a card:


Purchases. Simply buying something on credit and then paying for it at a later date.
 Balance transfers. Moving an outstanding debt from one card to another.
 Withdrawing cash from a cash machine.
Card providers will charge different amounts of interest for each of the above 3 ways you use it. Usually, although not always, the cheapest debt is paid first meaning you get charged interest at the highest rate.

For example:

You get a new card and transfer �2,000 debt from another card. You then buy something costing �300. You then withdraw �200 from an ATM. At the end of the month your debt will be �2,500. You can't afford to pay off the full �2,500 at the end of the month but you can pay �200 each month.

However, you are not charged the same rate of interest for each item. Instead you are charged 6% on the transferred debt (i.e. �2,000), 15% on the purchase (i.e. �300) and 20% on the cash withdrawal (i.e. �200). Not always, but usually, the �200 you pay each month will go to clearing the transfer debt first and the cash withdrawal last.

This means you are paying off the debt that is accruing the least interest first and the debt that is accruing the highest interest last. The net result is you pay back significantly more than you would have if you had cleared the highest interest debt first.

Hopefully the above shows why you need to establish what you intend using your card for. Once you decide you need to have discipline to stick to using it for that purpose only. If you believe you may need a card for each or are unsure that you will have the discipline required, then it is much better to get separate cards for an individual purpose.

An important point is: please, please, and please again do not use a card for cash withdrawals unless you absolutely and completely have to. Interest rates for cash withdrawals on cards are always very high and interest gets charged from the minute you make the cash withdrawal. Hence, by the time you get your monthly statement you could have accrued weeks of interest on the cash withdrawal.

To determine what credit card you should choose find the statement below that best corresponds to you and your needs:

I always pay the full balance when due

If you use your card for purchases and always pay the full balance off at the end of each month then you will never pay interest on your card.

Therefore, you can ignore the interest rates and look for a card that rewards your spending. Several cards offer reward schemes such as cash back, loyalty points and donations to charity.

I can never afford to pay the full balance when due

If you use your credit card but can't afford to pay the full balance off at the end of each month, then you will pay interest on your outstanding debt, even if you repay the minimum amount.

Therefore, you need to look for a card with a low standard rate (APR). Many cards have a zero interest introductory period which can be good but be careful of these as once the introductory period has ended you will start to get charged interest unless you pay off the full balance.

If you have already built up a debt on an existing card then you should maybe look for a balance transfer - see "I have a debt but can't afford to pay if off in full" below. However, if you are still spending more than you are paying, this strategy is only deferring the problem to a later date.

I have a debt but can't afford to pay if off in full

I will not bang on about reducing the debt, stop spending, etc. Every website goes on about it and while it is true often it is very difficult to stop spending and the last thing you want to hear is another person/website on your case about it.

Assuming you can stop adding to the debt, then you want to go for cards that offer low interest rates on balance transfers.

This means you transfer the debt from your existing credit card onto a new credit card. The new card having a lower interest rate than the existing one, meaning you have less to pay back in the long run. Many card providers now offer 0% interest on balance transfers (0% APR balance transfers) for periods up to 15 months. Therefore, you could have 15 months in which to pay off the debt before you get charged any interest. Most 0% APR balance transfer credit cards will charge a one off fee for doing the balance transfer - this is usually 2 or 3 % of the balance.

If you can't stop adding to the debt, then you want to go for a credit card that offers both low interest on balance transfers and low interest on purchases. Many credit cards now offer 0% APR on balance transfers for 15 months as well as 0% APR on purchases for 3 to 6 months.

This means you transfer the debt from one card to another as discussed above. Additionally, you can continue to spend on the card without accruing any interest on these purchases. All of course for the period the 0% APR on balance transfers and 0% APR on purchases lasts for. Once these periods are up you start accruing interest.

I only use my credit card when travelling

If you travel regularly and use a credit card when abroad you will likely pay an overseas usage fee. There are some that don't but most do charge an overseas usage fee.

Generally it is a double-edged sword. Cards with low or zero overseas usage fees tend to give you lower exchange rates. Whereas cards with higher overseas usage fees tend to give you better exchange rates.

Credit card exchange rates are based on the MasterCard and Visa wholesale rates, with a percentage usually added by the provider.

You need to look at a few things and weigh up the pros and cons:


The overseas usage rate/fee.
 Does the overseas usage rate differ in different countries or parts of the world. Which country/region are you regularly visiting?
 What, if anything, does the card provider add to the MasterCard/Visa wholesale rate.
 What other facilities does the card offer (e.g. provision of a replacement card, international assistance package, insurance, air miles, etc).
Other factors to consider

There is constant media attention given to people being caught out and seemingly ripped off by 'hidden credit card charges'. Particular things to look out for include:


Late payment fees.
 Returned payment - if your cheque bounces or your direct debit is declined for some reason.
 Exceeding your credit limit.
 Cash withdrawals - as mentioned above, please avoid this at all costs.
 Balance transfer fees - as mentioned above.
 Overseas usage fees - as mentioned above.
Now you know the key criteria for comparing credit cards you can easily pick the [http://compare-credit-card-rates.blogspot.com/]top credit cards for your needs.

Ben graduated with a business and economics degree back in 1998. Following many years service in the financial sectors Ben has turned his attention to helping everyday people with their finances. He has seen first hand how many people struggle with their financial situation primarily due to poor advice and misunderstandings of how money works. His latest venture is a blog that allows users to compare credit card rates [http://compare-credit-card-rates.blogspot.com/] in the UK.

Article Source: [http://EzineArticles.com/?How-to-Choose-the-Top-Credit-Cards-For-Your-Needs&id=4676073] How to Choose the Top Credit Cards For Your Needs

Tips For Your First Credit Card

By [http://ezinearticles.com/?expert=Rakesh_Gaikwad]Rakesh Gaikwad

Now that you have made the decision that it is time for you to go ahead and get yourself a credit card, you are ready to set out on a quest for one that will best suit your needs. When you first begin your search, you will realise that there are a tremendous number of credit cards available out there. There are no hassle versions, no annual fee varieties, low annual percentage rate types, business ones, air mile point credit cards, identity theft protection categories, store cards and quite a few more as well. It is up to you to compare credit cards and choose the one that is right for you.

Obtaining a credit card it not something you should just do on the fly. If you do not use it in the correct manner, you will find yourself with a bad credit report and drowning in debt. If you choose the wrong one, not only could you miss out on some great benefits, but also you could be forced into a greater debt at a faster pace. In order to find the best credit card for you that will suit your personal financial situation, select the card you wish to obtain and then compare credit cards in that category.

The first thing that you should do is identify your individual spending habits. Make a note of how you plan to use your credit card. Are you going to charge to it all of the time or just for emergencies? What are you going to charge to your credit card most often? If you plan to charge most of your expenses, then you will want a card that has many reward points or gives you cash back. If you plan to use your credit card to only purchase the same thing all of the time such as gas, the you would probably be happiest with a credit card that rewarded you with gas. Some credit cards will offer you a certain amount of cash back for all of your purchases and a higher rate of cash back on automotive related expenses such as gas and upkeep. You can find websites that help you compare credit cards so you can find the right one for you and your circumstance.

If you travel all of the time and spend a lot of your time on an airplane, then a credit card with air miles or a point's reward system that lets you earn travel expenses would most likely suit you best. These credit cards offer you one or more air miles or one or more reward points for every dollar that you charge to the card. You can collect your miles and points to redeem free airline flights.

If you are concerned about paying high interest rates on a credit card because you keep a balance, you need to find out the reason that you are carrying a balance. Are you spending money you do not have on things that you cannot afford? If you correct a problem such as this, interest should not be as much of a concern. If you have a balance that you wish to transfer from another credit card, there are cards available that offer no interest on balance transfers for the first year or longer. This way you can have the balance paid off without ever having to pay any interest.

Be sure to shop around for a credit card that offers no annual fee. Most of the credit cards that are available to consumers these days do not have an annual fee, but still offer the cardholder an array of great benefits. Look until you find the credit card that will best suit your particular needs. Do not just get lazy and settle for any old card that comes your way. Just by taking a little extra time to do a bit of research and compare credit cards before choosing the one that is best for you, you will save a lot of money as well as keep yourself free from debt.

Only Finance is one of the UK's most leading companies for comparing Loan, mortgage, insurance and credit card products. Only Finance helps you to [http://www.onlyfinance.com/]compare credit cards and select the card you wish to obtain and then compare credit cards in that category.

Article Source: [http://EzineArticles.com/?Tips-For-Your-First-Credit-Card&id=1500738] Tips For Your First Credit Card

Comparing Credit Cards Are Crucial

By [http://ezinearticles.com/?expert=Tom_Tessin]Tom Tessin

Comparing a credit card should be no different than comparing two shirts at a local clothing store.  It takes a little bit of time and research before you actually pull the trigger.  The only thing different about a credit card is that you're not going to be making a purchase, instead you're going to be either starting your credit history or you're going to be adding to your collection that benefits your purchases.

When it comes to comparing a credit card, there are a few key terms to keep in mind.  These terms are the APR, the rewards the card has to offer, and the annual fee.  Before you start comparing, it would be best that you write these terms down and each card you check out, you can write down exactly what the terms are.

The APR

The annual percentage rate or otherwise known as APR is one of the most important features of a card.  This is the rate that's going to be charged to your unpaid balances each month.  Generally, the lower the rate, the less money the bank is going to take from you.  My word of advice is to make sure that you pay off your card in full each month so that you can avoid this fee.  If you're a disciplined spender, you shouldn't have to worry about this but it doesn't hurt to write the rate down.

What rewards are offered?

In my opinion, this is the most important feature of a credit card.  This is what is going to benefit you when you make your purchase.  If you find out that a credit card is offering a reward based system, make sure you see what the rewards will benefit you and what industry it will benefit you.  Some credit cards only benefit you in gas rewards or some may benefit you on all purchases.  Make sure you know what kind of rewards you want before you start off your search.

The annual fee

Besides the APR, the annual fee might be the second important thing you should look at.  Most credit cards that are worthy of applying for don't have an annual fee.  A credit card that generally has an annual fee is a credit card designed for bad credit or a platinum type credit card.  The bad thing about an annual fee is that if you don't use your card anymore and you forget to use it, you'll see your statement come in the mail with the fee posted on it.

In my opinion, these are the three top things you should look at when comparing cards.  Of course a few other things such as the company and bank issuing the card might matter based on their performances in the past.  Another great thing to do is make sure you check around the internet and find out what other people think of the card you're looking at.  This will give you a great idea on what you're about to apply for.

Tom Tessin is an author for FINDcollegecards.com that is geared toward students looking to [http://www.findcollegecards.com/student_credit_card_chart.htm]compare student credit cards

Article Source: [http://EzineArticles.com/?Comparing-Credit-Cards-Are-Crucial&id=1073026] Comparing Credit Cards Are Crucial

Compare Credit Cards And Start Earning Tons Of Rewards

By [http://ezinearticles.com/?expert=Stefan_James]Stefan James

The first thing you should do is figure out what kind of car you want. Cash back cards, airline miles cards, general rewards cards. There are tons to choose from that will give you something back for you using these cards for your purchases.

There is a breakdown of all the cards and you can pick from Visa, Mastercard, Discover Card, and American Express. Good, Bad, or No credit it doesn't matter there is a card for anyone.

After you have found the card you want make sure its one that offers 0% interest and a ton of rewards. Right now your probably using your debit and credit card to pay for all your purchases including insurance, gas, groceries, or just anything. What you want to do is use your new card and charge everything to the card and cut the check to the new card and that way you will get rewards back meaning cash, airline miles, hotel stay, gift cards etc. You can even pay your insurance, house notes, car notes to earn even more points.

Your not spending more money but the same. Your just redistributing how you pay for it. In the mean time you could be earning thousands of free points for stuff throughout the year. Why wouldn't you take advantage of this?

So go shop for your card and get started. Again this website gives you the breakdown and reviews of tons of credit cards.

Thanks for your time. I hope this info helps [http://www.WebCreditCardSource.com]

Stefan James is an expert on getting free stuff from credit card companies. I teach people how to breakdown their finances to get a ton of rewards back. Happy choosing.

Article Source: [http://EzineArticles.com/?Compare-Credit-Cards-And-Start-Earning-Tons-Of-Rewards&id=617955] Compare Credit Cards And Start Earning Tons Of Rewards

5 Things to Think About When Comparing Credit Card Processors

By [http://ezinearticles.com/?expert=Erik_Heyl]Erik Heyl

If you are a beginner to doing business online, you'd be forgiven for being very excited and wanting to try many different things. After all, there are literally a million ways you can make money online. But the key is to focus on JUST ONE way when you are first starting out. Given that, let's assume for the moment that you have gone through and decided that you want to sell your own product. You done your marketing plan, got a good domain name, got solid hosting and have set your website up. But have you given thought to what credit card processor you will use?



This may seem like a daunting task if you're doing it for the first time. There are many different choices and just like online business, it can seem to be overwhelming, with different rates, terms of service, incentives and so forth. Here, however are 5 things you should think about before you pick your merchant account provider.



1. Consider the type of business you are in and look for a credit card    processor that has a history of servicing that type. For example, if you are in retail, you certainly wouldn't want a company who has been doing online transactions for years and yet has only started doing retail transactions in the last 6 months.



2. Cast an eye to your budget and figure out how much you can afford in transaction fees,still make a profit, and stick to that number, especially if you're just starting out. After all, there's no point in making a ton of sales if half your revenue is eaten up by transaction fees and other ancillary costs.



3.  Take into account how communicative each company is. This is very important as you will be dealing with them for the length of your contract. How long does it take for each company to respond to your queries? Do they respond at all? This can be a good measurement of how the company may do business with its clients.



4. Ensure that you read the terms of use, privacy and other legal documents over thoroughly. If need be, take them to your lawyer for review. You need to be absolutely sure you understand what you are getting into. Never skip the fine print.



5. Make sure that each provider can scale up as your business increases and be sure you understand the various charges that may be associated with this, as there is nothing worse than suddenly doing $20,000 in business and being hit with a hefty bill you were not expecting.



If you keep these five things in mind when you compare merchant account providers you will be able to find one that suits your business needs.

For more information, go to [http://www.WhichMerchantAccount.com]comparing credit card processors.

Article Source: [http://EzineArticles.com/?5-Things-to-Think-About-When-Comparing-Credit-Card-Processors&id=2348327] 5 Things to Think About When Comparing Credit Card Processors

Compare Credit Card Offers and Reward Yourself

By [http://ezinearticles.com/?expert=David_Dubbs]David Dubbs

Here's a simple system on how to pay zero interest and get tons of free stuff. Almost everyone uses credit cards. But only a few thousand people out there take advantage of what the credit card industry is really offering.

First thing a person needs to do to shift the credit card game in your favor is shop for the right card. Do you want a card who gives you cash back or do you travel and want airline points or hotel points? There are cards that will send you gift catalogs with everything from furniture to watches.

The first step is shopping for a card this can be done by going to [http://all-creditcard-offers.com]. There is a breakdown of all the cards and you can pick from Visa, Mastercard, Discover Card, and American Express.

The next thing to do after you have your card is to get a ton of points without paying interest. All you have to do is look at what you are already paying for. Your paying car insurance, groceries, gas, cable,electric,shopping,movies,and even going out to eat. You probably paying for a lot of these things from your debit card or a check that gives you zero reward points.
What you need to do instead of writing a check to these bills you need to charge them on your new card. Then go home and write a check weekly to the credit card. All you do is keep your reciepts of things you would have normally paid for from your checking account and send the check to the credit card instead.

Your not spending more money but the same. Your just redistributing how you pay for it. In the mean time you could be earning thousands of free points for stuff throughout the year. Why wouldn't you take advantage of this?

So go shop for your card and get started. Again this website gives you the breakdown and reviews of tons of credit cards.

David Dubbs is an expert on getting free stuff from credit card companies. He teaches people how to use the money they are already spending to get a ton of free stuff. [http://all-creditcard-offers.com]

Article Source: [http://EzineArticles.com/?Compare-Credit-Card-Offers-and-Reward-Yourself&id=61727] Compare Credit Card Offers and Reward Yourself

Compare Credit Cards With Fixed Vs Variable Rate

By [http://ezinearticles.com/?expert=Maria_Mines]Maria Mines

Generally credit cards offer special introduction rates which often include less or 0% interest for first months or may be a year. But after this introductory period many cards change to fixed or variable interest. You should know the difference in cards with these tariffs. You can also obtain free annual credit report from government to know your financial status.

Credit cards with variable rates.

Variable tariffs are generally tied with other ones. Mostly a card company uses the prime tariff of lending as the index. It is the current prime rate which major banks in the U.S. get when money is borrowed from Federal Reserve. The creditors can also calculate variable interest based on Treasury bill.

A lender for a card adds the number for percentage points, which is known as margin, to the index rate. The new one is then applicable to the lender's card. In some cases, your company may multiply index rate with another number, which is called multiple. This new figure gets added to margin to decide the interest coefficient of the card.

As this index rate is fluctuating, it affects the one of your card. The APR on the credit cards having variable rate may vary from time to time. These cards include the "floor rate" which is the lowest one offered.

Cards with fixed rates.

Unlike cards with variable rate, which can change with time, cards with the fixed rate offer a standard one. Their initial rate may be slightly higher than the variable one. But you have the advantage that the fixed rate does not change often as the one of the credit card with the variable coefficient.

Fixed rates can also sometimes change. The company of the cards can have the right for changing it within their card plan. Lending Act has the provision that the lender must get notice minimum 15 days before increasing the rate.

Decide the rate which suits you best.

To decide the rate which suits you best, you should consider the fluctuations in the market. The present average interest rate for cards with variable is 14.72%. The current average rate for cards with fixed rate is 13.33%. According to some experts having a credit card with fixed rate is better for stability. Some others suggest that opting for credit card with variable rate is beneficial when rates of interest are dropping.

When you consider getting a card with the variable interest, you should check the interest caps to know how much high or low your card interest may go. If the lowest rate which you can get on credit card is about 16%, and if rates are seen dropping, then you should look for other options.

If you decide to get a card having a fixed or variable rate, read the instructions carefully to know about their fluctuation terms. Some cards may change interest plans after missed or late payments.

If your balances are paid off each month, the interest rate will not affect you much. It is necessary that you should know the difference in fixed and variable rates to get an excellent deal for interest charges.

Please, click here to find out more about [http://freeannualcreditreport-government.com/]free annual credit report and [http://prime-rate.info/current.php]current prime rate.

Article Source: [http://EzineArticles.com/?Compare-Credit-Cards-With-Fixed-Vs-Variable-Rate&id=5960746] Compare Credit Cards With Fixed Vs Variable Rate

Credit Card Review - Compare Credit Cards the Right Way

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

When looking for a new card it is absolutely imperative that the consumer looks at a comprehensive credit card review before they apply. There are so many issuers out there, including banks and financial institutions, that it can become rather confusing when trying to discern which offer is right for you.

The very first place the respective applicant should visit is a credible credit card comparison website. There they will be able to review and compare the latest offers from Visa, MasterCard, Discover and American Express.

Under the umbrella of these four major processors of transactions are banks and issuers including Chase, Citibank, Bank of America and so on. It is important to carefully study what each offer entails and there are is no better way to review offers than by doing a side-by-side comparison.

It must be said however, that the review should be fair and impartial.

A quality review will contain the following information:

Features

Benefits

Terms

Conditions

Each of these categories can be broken down further into subcategories. The point is that all of the pertinent information is revealed through these four main categories including interest rates, fees, grace periods, rewards programs, penalties, etc., etc.

Far too many people do not take the time to thoroughly research an offer before they apply. Many times what results from that is rather unpleasant to say the least. For example, a consumer sees a 0% introductory offer but fails to fully comprehend that the offer will expire.

When it does in fact expire the account holder suddenly find themselves paying very high interest rates and are taken aback by them. Sometimes surprises can be pleasant in life but when we get them from a bank you can bet that they won't be so take the time to do your research properly when you review credit card offers.

Interested in Reading an Unbiased Credit Card Review?

Visit BestCreditQuote.com for an unbiased credit card review [http://www.bestcreditquote.com] of the leading offers.

Apply online for the best credit card [http://www.bestcreditquote.com] that meets your financial needs.

~Morgan

Article Source: [http://EzineArticles.com/?Credit-Card-Review---Compare-Credit-Cards-the-Right-Way&id=3367781] Credit Card Review - Compare Credit Cards the Right Way

How To Compare Credit Cards

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

When you shop for a credit card, you want one that has the best features and options available. If you get the wrong credit card, you could end up with a high interest rate or unnecessary fees. The number of available offers is staggering and what works for one person may not work for another. It is important to decide what credit card you want, and look for offers which match what you're looking for.

When you decide what credit card you want, you should look at the interest rate, annual fees, introductory APR, and other factors. If you always pay off the entire balance of your credit card each month, having a card with no annual fees may be more important than one with a low interest rate. Many people are not skillful when it comes to handling their credit cards. If you find that you are not making your payments on time, it may be best get a card with a lower interest rate.

The interest rate is probably one of the most important factors in deciding which credit card you want. The difference between a credit card with a 9% interest rate and one with a 19% interest rate is very high. If you put a large balance on your card, it will be very difficult to pay it off if you have an interest rate of 19%. Because many credit card companies and banks compete with each other, it has become easy to find cards, which have a 0% interest rate, though this may only last for, purchases made within the first six months.

After the interest rate, the member features of the card are another thing you should look at. Many credit cards now have the cash back rewards feature. When you make a purchase using the card, you will be paid back a certain percentage of the purchase in the form of a check. Frequent flyer programs are good for those who are constantly traveling. Other cards offer travel insurance or other impressive features.

Credit cards are a serious issue that you should take into consideration. Credit plays an important role in conducting transactions in our society today, and how you use your credit card will determine if you qualify for loans, a house, or other things. You should want a card that gives you protection against fraud, and also allows you to make online payments.

Joe Kenny writes for the Credit Card Guide [http://www.cardguide.co.uk/], visit them today for more best buy credit cards [http://www.cardguide.co.uk/best_buys.html].

Article Source: [http://EzineArticles.com/?How-To-Compare-Credit-Cards&id=187706] How To Compare Credit Cards

Shop and Compare Credit Cards Online

By [http://ezinearticles.com/?expert=Marie_Welter]Marie Welter

Have you ever received an offer for a credit card in the mail? Did you apply for that credit card? Did you know that there are hundreds, if not thousands of different credit cards out there that you could choose from? You can choose from many different types of cards, such as credit, debit, or prepaid. You can choose by issuer, such as MasterCard, Visa, American Express, Advanta, Bank First, Chase, and many more. There are many different categories that you can choose from, like airline rewards, cash back, hotel rewards, low interest, balance transfer, and many more. You can also shop by what kind of credit you have, poor, good, or excellent.

   If you're like me, I would just apply for the offers that came to me in the mail, or the ones at my bank, not realizing that I could actually go looking for them and find out just how many different types there were for me to choose from. In this day and age, nobody should just take the first thing that comes along. Just look around at the different choices and choose the one you want.

   There are also several different debit cards to choose from and also several prepaid types. Prepaid credit cards make great gifts because it's safer than cash and you can use them anywhere that credit cards are excepted. It's a great way to purchase something on the internet, and safer than a credit card. The also have credit building prepaid credit cards, so you can improve your credit score.

   A prepaid debit card is a great way to provide money for your college student without having to send cash or a check, you just load it online. It's so easy and safe. If it gets lost or stolen you can recover it, unlike cash. I really like these.

   If you travel a lot, you may want to look at the rewards cards. There are cards that have hotel rewards, airline rewards, or retail rewards. There are cards that offer gas rebates, and for business owners there are business credit cards. Don't forget the cash back cards.

   So, as you can see, there are so many things to consider before you apply for that next card. I would strongly recommend shopping around and comparing, to anyone looking for a credit, debit, or prepaid charge card.­ If you are thinking about getting a new credit card, don't do it before you go to this site. You really should compare many different cards to get exactly the one that is right for you. Take a look and enjoy.

Here is an excellent source for shopping and comparing credit cards. [http://chargecard.newcreditapplications.com]

Article Source: [http://EzineArticles.com/?Shop-and-Compare-Credit-Cards-Online&id=1866867] Shop and Compare Credit Cards Online