Being a Wise Credit Cardholder
Advertising Disclosure is an independent, advertising-supported web site. receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.
Credit Card Applications » Research » Guides » Cardholder Benefits » Being a Wise Credit Cardholder

Being a Wise Credit Cardholder

Add to Favorites:

It sure is very fun and easy using your credit card but the hard part is the repaying part. Any cardholder understands the principle of credit cards; you use it, buy whatever you want provided you pay at every end of the month. The principle is actually so simple but then again not all are able to cope with it.

The problem with having and using a credit card is when we spend more than our resources. We`ve heard of people who lost their jobs and some of their assets due to credit debts left unpaid. This is something you would never want to happen. But this would not mean you should never apply and have your own credit card. The secret is know where and what kind of cards you should apply for.

Before you apply for a new or another credit card, you should ask yourself whether you really need it. Ask yourself whether you can manage multiple cards. If you think you can`t, then there is no reason for you to fill out that application letter.

Some of us feel "obliged" to apply for a credit card in a company who sent us their brochures. Or don`t think that you need to apply from a company that you first bump into upon researching. The very purpose of researching is for you to find who can provide you the best benefits at low rates.

The World Wide Web has a lot of resources when it comes to credit card comparisons. It too would help you if you go to a site with a complete table of several credit companies. Your comparison would be easier when you know the rates and charges from each company.

When comparing, look into the interest rates. If it too high then it could not be a good candidate but if it is too low, better think too. There could be some hidden charges behind this so it is important that you know even the smallest detail about the credit card you`re considering.

Once you have your credit card application approved, make sure to start being a wise shopper. If an item can wait, then don`t make the purchase now. There would be some more important things than just a mere want.

You would not like to be spending all your paycheck on your credit card debts and this is far from happening with wise credit card management.

Add to Favorites:
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.

Other Cardholder Benefits Research:

Related Research:

How to Get Free Wi-Fi in the Air

By Herbert Moore, Posted: September 28, 2016

Sometimes in-flight Wi-Fi is the bare necessity when you travel abroad or within the country. However not all airlines offer free in-flight Wi-Fi. There is only a couple of airlines that will allow you to use Wi-Fi ... Continue reading

Amazon Credit Cards Review

By Allison Martin, Posted: May 30, 2016

When was launched 20 years ago, few could have envisioned how far the company would come. What was once an online specialty bookstore is now an Internet juggernaut that sells nearly anything and has made major inroads into ... Continue reading

How Much Do Shell Cards Really Save on Gas?

By Allison Martin, Posted: April 20, 2016

There is an endless amount of gas cards on the market, and practically every major gas station, including Shell, has options to choose from. In fact, Shell offers two options for gas cards for consumers. Continue reading