Information on Credit Cards

Are you looking for information on credit cards? Choose the best credit card at DontSpendMore.com

There are a number of banks who want to have you as a customer. Owing to this, it is not always easy to tell which one is actually offering you the best deal, as each bank will cleverly disguise the drawbacks of the deal and bombard you with the perceived advantages. So it is important to know the different aspects of credit cards you should be interested in when attempting to select the right one for you. At DontSpendMore.com, you can review and compare credit cards to select the one that best matches your needs.

Hot Credit Card Offers Type Brand Annual Fee APR Cashback Bonus Details/Apply             The First Progress Platinum Elite MasterCard(R) Secured Credit Card   Master Card(R) $29 19.99% N/A       * This online application is subject to the terms and conditions as described in the Important Information Section of the application.

Review the following basic terms as you browse through our vast selection of credit cards, each catering to your specific need.

Interest Rates

Basic interest rate will be disclosed to you when you sign up for your credit card. Furthermore, the terms will also spell out extra fees and costs application to different circumstances encountered as you use your credit card. It is for this reason, APR is a useful figure for customers.

APR

APR stands for Annual Percentage Rate and is the figure which is more accurate than the interest rate in terms of a reflection of what you should expect to be really paying the bank overall. APR can include costs and fees which are not included in the standard interest rate; however, it does not always include all of these, so be wary and remember to inquire as to any additional fees you may be forced to pay.

There is a difference between fixed and variable APR which is useful to understand when it comes to choosing a credit card. A fixed APR will usually stay the same from month to month, unless the bank informs you otherwise; this gives you a stable idea of the money you will be paying the bank. However, variable APR can vary from day to day, as it is based on another rate, such as the Prime Rate, which fluctuates regularly. A seemingly low introductory variable APR may seem like an attractive offer but rise steeply soon after you select the credit card, so be wary of this and make sure to ask a lot of questions before making a choice.

Different types of credit cards

There are various types of credit cards which suit different needs. If you want a credit card for business you can select a business credit card, which is specifically tailored for this kind of activity. If you have a habit of being bad with finances and budgeting, there are credit cards which are designed to help you learn to budget better and not allow you to go too far into debt if the payback is not guaranteed on time.

There are balance transfer credit cards, low interest credit cards and credit cards with different bonuses and offers (e.g. cash back, air-miles credit cards, travel points). Before selecting which credit card is best for you, it is essential to have a lot of information on credit cards to find out which suits your individual needs.

At DontSpendMore.com, you can apply for your credit card online and receive an instant approval, where possible. That’s about as easy as it gets.

Click here to find out how to save money on credit cards

Compare and save on credit cards, cell phone, long distance, Internet access, mortgages, insurance, and more at www.dontspendmore.com

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