How to get the best credit cards for my needs? - Other Questions

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How to get the best credit cards for my needs?

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With the credit card issuers coming up with newer plans and strategies every passing day, there is no dearth of good deals in the market today. But, not all deals are suitable for all customers. There are many factors that come into play when you apply for credit cards and you need to take all of them into consideration in order to find the best credit card for your use.

It is important to take your credit score into consideration to find the best card for you. Banks offer various deals for people with various credit scores. While the customers with very high score will be eligible for prime offers, the ones with a lower score will have to pay slightly higher interest rates or other fees on their cards.

If you are keen on finding the best credit card, then you have to shop around extensively. Don’t end up applying for the first credit card that comes your way. Look around for the various deals being offered by all major credit card lenders and then make your choice. If you are looking for credit cards that offer the best interest rates in the market, do not ignore the ones offered by credit unions. The rates on these cards are slightly lesser than that of the banks.

Once you find a credit card that seems to be in line with your requirements, get clarity on the various aspects. Find out if there are any promotional offers on the card and the duration of these offers. Also, gain clarity on the various fees you will need to pay. Check if there are any annual fees applicable and find out if they are waived off for the first year. If you have a good credit history to your backing, you can also negotiate on the rates because banks will be more than eager to get you on board.

Most people apply for a card considering it to be the best card without having clarity about the cash advance charges. Most often than not, people incur high debts on the credit cards because of the cash advances. The interest rates for cash advance on credit cards are higher and are calculated differently, unlike the regular APR. therefore, make sure you understand this very well before you fill the application form and apply for the best credit card to help you financially.

All credit cards terms, fees and rates mentioned in this article/post are actual on the posting date. See the current products’ Terms & Conditions on the issuing banks' websites.
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