Thursday, September 14, 2006

Cards Offer

If you believe that it is time for you to get a credit card of your own don’t just apply haphazardly. Take a moment to compare the rates and terms of each credit card and more importantly what they can offer you in terms of benefits and additional services. Look at the standard services each card offers such as how long their billing statements are, their payment terms (see how flexible these are) and how much they charge in terms of fees -annual fee.

Review the incentives these cards offer to new applicants. These are normally listed on credit card brochures or information flyers. Then there are some Special Credit Cards.These are credit cards that have official tie-ups or are affiliated with other commercial entities. It is impractical to have one of each so it’s best if you could determine which of these special cards would be most beneficial for you.

Even if you have all the information you think need. It is still best review the incentives these cards offer new applicants. Now is the best time to bring these issues up. Don’t be afraid or embarrassed to ask if they have any special promotions apart from the ones that are advertised. Credit card companies have these and an additional freebie or gift would never hurt. When you have received your credit card, you are now free to use it and accrue as much points as you can afford to pay. The rewards are gifts are just sweeteners: a way for credit card companies to give something back to their clients.


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