Want To Apply For A Credit Card Online? 3 Tips For Choosing The Right Card For You
If you are new to the world of credit cards, it might just blow your mind to know
that there are literally dozens of different types of cards and card options to choose from. No longer do you just fill out a paper form that you got in the mail, send it in, and wait a few weeks for your acceptance or rejection. Now that you can apply for a credit card online, the process couldnt be easier.But whats not easy is choosing which card will be right for you. To clear up some of your confusion, lets take a look at the top three tips to help you choose the card that will best fit your life and your needs.
Tip 1: Find Cards that Help You Fly
Some of the most popular credit cards are those that offer airline miles. The more you buy, the more miles you can rack up. This is great if you are the type who enjoys traveling several times a year and wants to save on your airfare.
A USAToday.com article highlights a few of the best mileage cards available as well as the additional perks these cards are now offering such as a free checked bag, up to eight traveling companions, and priority check-in. However, there are annual fees associated with some of these cards, so keep that in mind when youre signing the dotted line.
Tip 2: Find Cards that Give You Cash Back
If you want to apply for a credit card online that offers cash back, now would be a good time. With the economy the way it is, getting money for spending money is really the best way to go. With these types of cards, you get different percentages of cash back on a variety of purchases such as gas, restaurants, apparel, and groceries.
Make sure you look at what the percentage rates will be after the introductory period is up as well as any annual fees or if there are any spending limits. Remember, you want this card to work for you and not against you so arm yourself with all of this important information.
Tip 3: Find Cards with the Lowest Rate Possible
There are several cards out there that look so enticing and seem like they would be the perfect card for you. However, when you look at the fine print, you may realize that the perfect card might be your ultimate nightmare. For example, when the introductory percentage rate starts out at 4.99% but then jumps to 18% after the 12 or 15 month introductory period, you had better make sure to keep your balance at zero or you could be in the beginning stages of financial ruin.
There is no need to feel nervous when you apply for a credit card online. All you have to do is make sure you find the right card for you that will lead you to credit history success and not credit death.
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