Today there are so many different credit cards available, student prepaid, low interest cards etc. that it has becomes a real hassle to find the right one that will suit your needs.
This is the reason why we at online-creditcheck provide you with necessary information which can help you in choosing the right credit card for you. The good thing about this information is that it is all free of charge.
We have created a list of 10 things you need to have a look at before you decide to apply for that credit card
1) **Annual Percentage Rate - APR**
Many credit card companies give you an intro apr rate that will be lower then your regular apr rate. Keep in mind when this introduction apr rate will expire and use it to your advantage
0% Intro APR Credit Cards, will give you the opportunity to purchase goods/a service without paying any interest on your principal spend. Such cards are usually for people with a good credit history
2) **Credit Card VS Debit Card (prepaid credit card)**
Although a Prepaid Credit Card, has the same look and feel of a regular Credit Card, those two are not the same.
A Prepaid Credit Card, is in fact a Debit Card, and is usually linked to a personal bank account. Other options are that you need to load funds onto your debit card account first. This is the reason why a debit card can only be used for a purchase that your balance can cover.
A prepaid Credit card, are usually for people with a bad credit history or for people who are unemployed.
3) **Credit Card Tips**
- Sign new credit cards as soon as you receive them
- Destroy old cards when they aren't necessary anymore
- Never fax your credit card number
- Be careful when supplying your credit card number by phone
- Pay your credit bills on time to maintain/create good credit
- Pay of your balance as much as possible
- If possible select a credit card with no annual fee
- Review your credit history on a regular basis
Keep the above simple things in mind when selecting a credit card and you will find the right one that will suit your needs.
I would like to thank you for reading this article.
Sincerely,
Karin Loftist
http://www.online-creditcheck.com
![]() |
|
![]() |
|
![]() |
|
![]() |
If you've ever applied for a credit card or loan,... Read More
Most of us get a credit card on our name... Read More
Understanding credit report scores is important when you see your... Read More
Your credit report is a very important piece of the... Read More
There are times when you may be turned down for... Read More
There are a whole variety of different types of credit... Read More
It is the scourge of our age: identity theft. Thieves... Read More
Moving money from credit card to credit card to take... Read More
Most consumers are aware that they have something known as... Read More
Using a credit card wisely is an important step in... Read More
Which of the following is the biggest threat to your... Read More
A credit score is most commonly known as a FICO... Read More
A new sickness is plaguing the UK called Denial. Denial... Read More
Always shop around to get the best deal when choosing... Read More
The next time you open your credit card statement, take... Read More
On one hand consumers are being universally criticised for running... Read More
"I think money was stolen from my card" or "I... Read More
Thanks to the Fair and Accurate Credit Act, American consumers... Read More
Let's face it, if you are facing the possibilities of... Read More
Most families in America today have a credit card; some... Read More
Many of us have seen the advertisements on television. "Get... Read More
A consumer credit report is a factual record of an... Read More
You might not know it, but every time you take... Read More
What are the APRs charged by the credit cards in... Read More
This summary of the Fair Credit Reporting Act will explain... Read More
If you have been shopping around for a Low Interest... Read More
It's not as hard as you think to raise credit... Read More
Your credit history is important; in fact, in this day... Read More
Ah, the "good old days". If you are a baby... Read More
For years, major credit card companies have allowed cardholders to... Read More
Your credit score may just be a little number, but... Read More
Debt negotiation on credit cards is often referred to as... Read More
By far the greatest invention the banks have ever come... Read More
Millions of Americans suffer because of bad credit these days,... Read More
About Search Entries:Every time a lender checks your credit history... Read More
Well now we add CitiGroup and UPS to the Identity... Read More
Do you know the costs associated with your credit card?... Read More
If you opened a credit card statement recently and were... Read More
Few things influence the home buying process more than your... Read More
Credit Cards and Loans sounds like just two things, but... Read More
Identity theft statistics are shocking. And we are told that... Read More
What is trade credit?One of the major differences between consumer... Read More
So-called "credit repair" companies claim they can remove negative information... Read More
Under the Fair Debt Collection Practices Act, collectors are not... Read More
What you might not know about credit.Some people don't know... Read More
Most of us get a credit card on our name... Read More
As of Thursday, December 1, 2004, one-third of Americans will... Read More
Until recently lawyers for victims of credit damage had little... Read More
If you have been shopping around for a Low Interest... Read More
Credit score is the key factor determining approval of almost... Read More
A credit report is basically a file about you kept... Read More
Credit card companies want your business. After all, lending money... Read More
Mortgage loans are some of the most difficult loans to... Read More
Are you one of the thousands pulling your hair out... Read More
If you have considered credit counseling as an option to... Read More
You've probably heard the term credit scoring. You may have... Read More
Here's a simple system on how to pay zero interest... Read More
Paying a credit card late fee is the same as... Read More
By Federal law, you are entitled to one free credit... Read More
The Credit Report is like your scorecard in the lending... Read More
One of the easiest ways to borrow money of a... Read More
What is a credit card? A credit card is... Read More
What is a balance transfer ? A balance transfer can... Read More
Before you take out a home loan or make any... Read More
Ah, the sweet rewards of using credit!Not only do you... Read More
Credit 101How does a creditor determine whether to grant you... Read More
Credit |