Next determine why you are getting the credit card and what benefits you would like to see. Are you looking for just a general card or would you like a rewards program attached. If you want rewards, what kind? If you will be using your card mostly to buy gas, insure you get one that maximizes gas purchases. If you travel a lot, get one that benefits travel.
Find out the interest rate after the introductory period and the default rate in case you cannot make a payment. If you will be transferring balances, determine the transfer fee. Check if there is an annual fee.
You will want to be sure to apply for a credit card that is geared towards people with limited or no credit unless you have other lines of credit reporting to the three major credit bureaus.
- I’m tired of dealing with poor customer service! Which credit card company is the best for customer service?
- So, I am about to turn 18. I may need about $100 or so each month to cover the remainder of my rent. What type of card should I be looking to get?
- I'm in my late 20s with a credit score of 680. I'm looking to get my first credit card, one with cash back rewards.
- Are Discover Card credit cards any good?
- Is a credit score of 725 considered good?
- Which bank offers the best debit card?
- Supposing you have a perfect credit score of 800 or better; which credit card offers the highest credit limits?
- On a credit card application, can you include your spouse's income under household income? What about other people that live with you?