The content is accurate at the time of publication and is subject to change.

Credit cards have made life easier and difficult. They are ironically the largest cause for debt in America. Dealing with credit card payments has become a problem for many unsuspecting people, whose card information is accessed by third parties resulting in additional membership fees for things they did not even sign in. This occurs due to a phenomenon called 'data pass' and it has resulted in large losses for customers over the years. Visa has strict rules about data pass. Hence is safer and more secure.

In the world of credit cards, one mistake can result in a poor credit score, mistakes are counted more often than good and it can take seven years to get back on track once you get a poor score. People make mistakes; it is still possible to be on track if you have made an error. If you picked a card thinking the reward program and cash back offer was attractive only to find yourself unable to meet the payments due to high APR, you can still opt for a balance transfer. Chances are, you were solicited for signing up for the credit card via mail. You believed it without bothering to look at the fine print. In the world of credit cards, the fine print is vital; it tells you the true cost of the card.

If you have multiple credit cards with multiple offers it is good, however you will also have different due dates. What if you end up someplace with no access to your bank, you will be late on the payment. It would affect your credit score. There is a way to fix it. Set up automated accounts. Make sure that you have an account set up to pay the credit card dues on time. That way you will continue to maintain good credit and be a prompt customer with the banks.

Understand and research thoroughly the various APR's available in the market, familiarize yourself with credit language. APR is annual percentage rate. Check if there is a balance transfer. Check if the balance transfer fee is affordable and what interest rates are there. If it is 0 on balance transfer, clarify if that is applicable to new purchases made as well. If you know your information well, you can pick the best card, and be safe. Check the grace period on the card for making payments, if you will be paying in parts, check the interest rate, make sure that you know all the conditions on your card inside out!