Credit Card Tips For The Novice

Have you, after much prodding, decided to join the bandwagon and apply for a credit card? Are you stupefied by the process of applying for one or are you confused as to where to start out? Do you have less than perfect credit and wonder if you can even get a credit card? If you are in the latter group of individuals, it should not discourage you if you have bad credit, as a lot of companies can still offer you a credit card. There are specific cards out there that are specifically directed for those with bad credit.

The terms of the credit card would be the next step and the next main consideration. In particular, you want to look at the annual percentage rate, or APR. This is the percentage rate at which you would be charge for your credit card. Another thing you want to look at is if there is an annual rate (this is basically a membership that is paid yearly). Transaction fees and other charges are charges that can be brought against you for withdraws, late fees and going over your limit. These are all things that you need to read carefully when selecting a credit card.

Our insiders compiled a list of quick tips that could help anybody find the perfect credit card:

Find out what are your needs and/or wants in a card.
Only carry with you the cards you are sure to use - this way you can stay safe from the throes of debt.
Value your security. Leave no stone unturned in protecting your sensitive information - rip up or have shredded any information printed relating to, or in conjunction with your card.
Because credit card disputes are so common, preserve all receipts and invoices.

Honestly, speaking, it is not all hard to qualify for a credit card. We read somewhere not too long ago that there were more than 1.3 billion credit cards spread out across the United States. If you are doing the math with us, that redounds to four credit cards per person. In fact, it is now even easier for people with bad credit to qualify for credit cards and have a chance to prove themselves. Of course, you can expect a higher annual percentage rate, but this rate can always be reduced if you prove that you are a good payer - this is your ultimate chance for redemption, so blow it not.

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