Which credit card fits you best?

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Which credit card fits you best?

One of the plastic cards ever created is the credit card. It makes a cashless shopping pretty much possible. Use them to purchase an airline ticket, consolidate your debt, establish your credit and make some balance transfer. Our different needs could be catered with the different kinds of credit cards that we could apply for. There might be some cards which works well for some people but may not for others. It is important then to be very sure whether you really own the card that fits you.

Here are some of the cards that you could choose from:

Cash back card - this card can allow its user to earn some money for every purchase made. For every purchase or use of service with your credit card, points are earned, accumulated and then turned into cash in a period of time depending on the company's program. Most of the cash cards are waived on the first year and annual fee applies the next year. If you use a cash back card, it is recommended that you pay every month. Cash card simply follows the formula- the more you spend, the more you earn back.

Another option you can take is the low interest credit card. This is the best kind of credit card for you if you just wanted to keep a balance rather than paying it in full.

Airline and cash back cards actually may fall into the rewards category though of course the purpose and mechanics are different. Rewards card can let you earn rewards points by shopping into a certain shop and a certain product tied up with the bank or credit card companies. Some cards will also allow you to redeem your rewards for gift certificates or certain items in a catalog. This is the best card for you when you intend to pay your monthly credit in full.

A bad credit card is created for people who would like to rebuild their poor credit history and a secured credit card will help you to do so. Having a secured credit card will ask you to deposit a certain amount of money in the bank. You should diligently make a payment every month so you can truly achieve your purpose of rebuilding credit.

Once you get your card, always keep in mind that it can be your worse burden when you don't monitor your spending.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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