Credit Cards - The Top 3 Things You Need To Know

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


Free Quran in All Languages

Free Tafsir Books

Credit Card Expenses Are Killing Your Budget!

Do you know the costs associated with your credit card?... Read More

What Can Happen to You as a Victim of Identity Theft, Facts & Figure

Is identity theft really that serious? Thousands of people every... Read More

How To Prevent Fraudulent Credit Card Transactions

What Are Possible Signs of Fraudulent Transactions see at Web... Read More

Make Sure Your Credit Report Is Correct to Improve Your Interest Rates And Lower Insurance Premiums

Did you know that you could make sure to get... Read More

Identity Theft ? Monitor Your Credit Report

The recent security breach at credit card processor CardSystems Solutions... Read More

How To Establish Great Credit

Building a good credit history is important. If you have... Read More

Practical Suggestions for Protecting Yourself From Identity Theft

It's no surprise that thousands of Americans are victimized by... Read More

Credit Enhancements: Seven Tips For Enhancing Business Credit Transactions

What are the avenues available to businesses with weak credit... Read More

Credit Help for Real Estate Financing: Five Categories of Your Credit Score

1. Payment History -- 35%The number of accounts paid as... Read More

First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers

Under the Fair Debt Collection Practices Act, collectors are not... Read More

Credit Education

Having credit education is like knowing how to read. It... Read More

The Top 5 Secrets to Managing Your Credit Cards?So They Won?t Manage You

You've probably never heard of Frank X. McNamara, but he... Read More

Credit Trap: What They Dont Tell You About Credit Cards In College

In industrialized nations, going into debt starts early. It's easy... Read More

Credit Card Companies Are Out for Your Money

You're probably thinking "Tell me something I don't know" but... Read More

Lower Your Credit Card Interest Rate Now!

With today's credit card companies, there are many opportunities to... Read More

A No-Brainer Way Of Getting Credit And Credit Cards

What Is Your Credit Rating Now?If you have any charge... Read More

Cash Back vs. Rewards Credit Cards

Ah, the sweet rewards of using credit!Not only do you... Read More

Figuring Out the Ever Nebulous Numbers Called Credit Scores

Credit Score FactorsThe information contained on our credit reports affect... Read More

Which Credit Card?

Bewildered by the sheer variety of debit cards and credit... Read More

Finding the Right Credit Card

There are so many credit cards out there to choose... Read More

Why Consumers Need a Nationwide Credit Freeze NOW

What do a shoe retailer, an online discount broker, and... Read More

14 Common Credit Mistakes

Establishing credit and wisely managing your credit becomes easier when... Read More

Fun with Credit Cards

For those of us who know how to use them... Read More

Watch Out For Credit Repairs

It is very easy to find a site that is... Read More

How To Survive In A Plastic World, Qualifying For Credit Card

Let's face it, having credit is no longer a choice.... Read More