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Which Credit Card is Best Suited to your Needs
Before deciding which credit card you need, you must decide for what purpose you will use it for. Then select a card that best serves your needs and purposes. Based on your payment history, you can ultimately decide which credit card you can apply easily. The card that best suits your needs and purposes might not be the right one for anyone else because different people have different purposes, and they use credit cards in different ways. The way you use your card helps you to decide which card will save your money.
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Superb Payment History with Zero Account Balance
If you plan to pay back your balance each month, you don't need a low interest rate credit card offer because your account will not be subject to interest charge. You should look for an offer with no or low annual fee and longer period. You should also look for the offers with rewards and low fees like cash advance fee, late payment fee, etc.
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Good Payment History with Some Balance
You should need to look for low-interest offers among other features. A smart 0% introductory rate on balance transfers and purchases for up to a year, and no annual fee may be a good package. It may also provide auto rental insurance, fraud protection services.
Good Payment History with Cash-Back Rewards
Cashback credit card offers provide you cash back incentives and discount programs for purchases you make using your card. But, the problem is you may need to pay higher interest and other fees. Cash back offers provide a solid value to those users who pay back their balances every month and don't want a low interest rate.
Bad credit/ No credit
A secured prepaid card is best suited for people belonging to this category in which cash deposit is required to be held in a separate account for security. Based on the payment history, the insurance requirement may be removed by the card provider. See Bad credit credit cards
Student with limited payment history
Student credit cards are designed for students to support them build important payment history by the time they complete their graduation. Such cards offer unique rewards for students, which allow them to earn different points per dollar they spend at bookstores, restaurants, movie theaters, and record stores, as well as earn up to thousands of points twice a year based on the card owner’s GPA.
In any case the most important thing you need when considering about a credit card is your choice. You need to be able to look on many features of different cards so that you can choose which card has the best grace period, interest rate, and many other features that make the selected card a perfect fit for you, for your particular financial situation, and your lifestyle.See our tips on making money with cash back credit cards
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