How to Decide on a Credit Card

Your credit score. Your credit score will help determine how much you’ll have
to pay for interest rates, the credit limit you’re given, and other features
put on the card. Check a credit report to see what your score is, and apply for
cards that are within your range.

Interest Rate. You want the rate to be as low as possible. Be careful when you
see offers for extremely low rates. Many of those will only last a short time,
after which you’ll have to pay a much higher rate.

Rewards. Many credit cards offer rewards programs for those who use their
cards. Programs include cash back, rewards points, and airline miles. Pick the
rewards program that you like the best.

Policies. Certain companies will have certain policies when it comes to late
payments, overlimit fees, and payment terms. Make sure you understand all the
policies of the credit card you select before making your final decision.

Reputation. Certain companies have better reputations than others in terms of
the quality of their customer service. If something goes wrong while you are
using their cardFree Articles, you want to make sure that you can call the company and speak
to a live person who will help you with your problem. Having to deal with a
rude or unhelpful customer service representative can really hurt you down the

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