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Credit cards surely are our best rescue when cash is out of hand. The thing though is that either misuse of apply for the wrong card. Using the wrong card could possibly affect your credit history or standing. Here are some questions that you need to ask yourself when you have several options in your mind:

Which card do I really need?

There are several types of credit cards cater to different needs so it would be better to do your research on the differences and the benefits of using a certain card.

How do I intend to use my card?

If you plan of to pay off your credit balance in full, then a charge card is your best option. Now, if it is intended to transfer balance then look for a card where you can enjoy the lowest interest rates.

Is the annual percentage rate reasonable?

All the interests connected to your credit cards are very important determining factors. The APR or annual percentage rate differs from one company to another and different rate applies for different services like balance transfers, purchases and cash advance. Be sure that you understand how you will be charged with your card so you won't be left wondering when you receive your bill.

How long s the company's grace period?

Grace period is the time window given to a cardholder to pay for the full balance before the standard interest is added or charged. The longer the grace period is the more advantage it is for you since you are given more time to source out cash to pay for your due.

What are the fees I need to pay?

Annual fee, late fee, and over-the-limit fee are the usual fees cardholders usually pay for. While most credit card companies collect for an annual fee, there are some which waive the annual fee. It is one of their ways to convince someone use their card.

If you don't have much time to visit a bank for their credit card offers, you have the World Wide Web to do your research. With your wide option, you have the higher chances of finding the best one.

Once you got your card, the next thing you have to do is train yourself to be a wise shopper. Buy things which are only needed and if it is possible go for the lowest credit card limit to discourage excessive shopping.