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Sign up for a New Credit Card -- Few Simple Rules
Signing up for a credit card does not have to be rocket science. Using your common knowledge and understanding the fine print (terms and conditions) will go a long way in making the best decision when you sign up for a credit card.
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How to sign up for a credit card
The most important step if you want to sign up for a credit card is determining whether you really need a credit card. If you need to make an urgent purchase that cannot wait, a credit card might be the best option. But if you simply want to go shopping because you love it, then you really should not even be considering getting a credit card as you will just be getting yourself into unnecessary debt.
When you have determined whether you really need a credit card and you find that you do, then make sure you sign up for a credit card with a reputable credit provider. Before you sign any contract, make sure that the terms and conditions are clearly spelled out and you understand them in detail. At DontSpendMore.com, we have provided a comparison of top credit card providers so you can compare offers and sign up for a credit card that matches your needs.
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Interest rate
The interest rate is possibly the most important factor when it comes to choosing a credit card. You need to find a good credit card that has the lowest possible interest rate. You should also be able to choose over how many months you want to pay back your balance. In saying this, you should really try to stay clear of using the budget facility on your credit card. Using the budget facility will force you to pay a certain amount of money over a set amount of months. Usually this installment amount is much higher than when you use the straight facility on your credit card.
Keep in mind that when you use both the budget and straight facilities on your credit card, the repayments are done in two different installments which could wreak havoc with your budget at the end of the month. When you sign up for a credit card, find out what the rewards or points program entails. There are hardly any credit cards out there these days that don’t offer such programs and they really are a pleasure at the end of the day.
If you have other credit cards as well, you might be able to consolidate them into your new credit card account. You should only do this however, if it will lower your monthly premium substantially, as it will increase your overall debt by quite a large percentage. You have to make very sure that this will be beneficial to you before you do it.
When you have chosen the credit card that you want to sign up for, make sure that you are informed about any additional fees and payments that need to be done before you make your final decision and contract yourself to this credit account. Hidden fees can make for a nasty surprise come month end. Lastly, enjoy the credit card!
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