Your Guide On Choosing a Credit Card To Suit You -

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Your Guide On Choosing a Credit Card To Suit You

Your Guide On Choosing a Credit Card To Suit You

Reach into your wallet or purse, pull out a card, swipe, and you're done. It is very easy to use a credit card. The problem lies in choosing a card ? and it has nothing to do with the picture on the front! Choosing a credit card that works best for you is vital to your credit rating. If you choose incorrectly, you may find yourself in deep debt trouble. Here is some basic, yet extremely important, information that will help you make the right choice.

Your Money Handling Habits

Choosing a credit card that is perfect for one person may be a dismal failure for you because your habits are different. When it comes to choosing your credit card, you need to look very closely and honestly at your habits.

For instance, do you typically carry a balance or do you pay off the card at the end of each month? If you answered "yes" then you will need to shop for:

# A low Annual Percentage Rate (APR). The APR the interest rate you will pay on any outstanding balances each month. The higher the rate, the more you will pay in interest charges.

# A fixed-low rate. This means that they will guarantee that your rate will stay low. Oftentimes, a company will offer a low introductory rate to get you signed up and then increase the rates drastically in 3, 6, or 9 months. The problem with a guaranteed rate is that an annual fee often accompanies it. You will need to decide if the lower interest rate guarantee is worth the cost of the annual fee.

If you will be paying off your card at the end of each month, you will not have to worry as much about a low APR since you will not be using it. And with no need for a guarantee, you may be able to avoid yearly fees. However, you will want to be sure to get a card with a grace period.

# Grace Period: Be careful to get a card that allows you to pay off your bill at the end of the month with no finance charges. Those that don't offer the standard grace period begin charging you interest the moment you make a purchase.

# Cash Advance Fees: Be aware that most cards charge interest, and sometimes at a higher rate, for cash advances and this charge begins with no grace period even if your card offers a grace period for purchases.

You also need to decide how reliable you will be when it comes to paying on time and keeping yourself under the card limit. If you are often late paying your bills or often do not know how much credit you have left, you will want to watch out for transaction fees and other charges. Many card companies charge a late fee and an over-the-limit fee. These can be substantial. Your best bet is to pay on time and keep under the limit, however, finding a card with lower charges is a good idea.

Here is another important question to consider when looking at your money handling habits: Do you use the card rarely, occasionally, regularly, or frequently? Those that use their cards for just about everything instead of using cash or checks will want to look for credit card protection. This way, if you lose your card or it is stolen, you will not be responsible for any purchases made.

Finally, consider the different benefit programs that cards are offering.

# Do you travel? Then consider a card with frequent travel miles as a reward. Or perhaps one that offers traveler's insurance.

# Do you use your card for large purchases like electronics? You may want to consider credit card insurance that will replace your equipment for a specified period of time if it breaks down or gets stolen.

# Are you saving to buy a new car? There are cards that offer new car rebates.

# Do you have a favorite charity? Many cards now support specific charities, universities, and organizations by paying the entity a specific amount with each purchase you make.

What matters most is to find the features that fit your pattern of spending and paying. Don't get fooled by the gimmicks or the advertisements. Know your spending habits, look at the small print, and choose the card that is best for you. With all the different cards available, you will be able to find the right fit for you.

Wesley Atkins is the owner of http://www.credit-cards-advisor.com- which aims to get you fitted with the best credit cards to suit your situation. With numerous credit card articles and easy online credit card applications you will never choose the wrong credit card again.

In The News:

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/news/local/la-fi-creditunions12-2008oct12,0,938332.storycid=1256110151ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNH0iGFdP3xLeSI6GLD4oed3a5HnWAFinancial troubles spread to bcredit/b unions/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1By E. Scott Reckard, Los Angeles Times Staff Writer It#39;s not just giant banks on the brink these days: Losses are clobbering nonprofit bcredit/b unions that b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://voices.washingtonpost.com/thecheckout/2008/10/got_your_money_in_a_credit_uni.htmlcid=1256110151ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNGvWWpFwzvje2yRIKo04NfmCyNm5AGot Your Money in a bCredit/b Union? You Too Are Safe/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/10/10/in_tumultuous_financial_times_credit_unions_might_be_an_option_to_considercid=1256110151ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNFPhY9hYHXcQ3wB7yHvUyQpqeUpSQIn tumultuous financial times, bcredit/b unions might be an option to b.../b/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.jacksoncountychronicle.com/articles/2008/10/10/opinion/03letchrisinger.txtcid=1256110151ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNEWoZAxIM-NmfD78TsDHstW2E_91gLETTER: Your money is safe with bcredit/b unions/a font size=-1 color=#6f6f6fnobrJackson County Chronicle/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.fayobserver.com/article%3Fid%3D306916cid=1256110151ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNG92Cn48ZIknYoIzkULPRk9Au1jywnobrFayObserver.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256110151hl=ennobrall 9 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kcbs.com/California-s-Credit-Questioned/3120028cid=1256289736ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNHO7Mrb_emptCdK5i6yiuLWhu8XHQimg src=http://news.google.com/news?imgefp=rFakr5AHXp8Jimgurl=imgsrv.kcbs.com/image/DbGraphic/200810/1085086.jpg width=80 height=60 alt= border=1brfont size=-2KCBS/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/business/la-fi-calif11-2008oct11,0,7507724.storycid=1256289736ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNGX7BFaVYxH8-aamB4hUExjWzvspwState placed on bcredit/b watch ahead of upcoming bond sale/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobr18 hours ago/nobr/fontbrfont size=-1By Marc Lifsher, Los Angeles Times Staff Writer SACRAMENTO -- Bond rating service Standard amp; Poor#39;s on Friday placed a quot;bcredit/b watch with negative b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.signonsandiego.com/news/state/20081010-1812-ca-california-creditconcerns.htmlcid=1256289736ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNFAq0mY3gx5vsz43v_twpprNTbKIQSamp;P questions whether California can borrow $4B/a font size=-1 color=#6f6f6fnobrSan Diego Union Tribune/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DaAVvkSCr3R_E%26refer%3Dhomecid=1256289736ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNGCoMK38ELc3yEf_ZjX6Fn5JpO0rwCalifornia Rating Threatened by Cash Crunch, Samp;P Says (Update2)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.mercurynews.com/breakingnews/ci_10691057cid=1256289736ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNHEGLKbEMQPN1oUBxbBBzHF1KzBKwConcerns over California#39;s ability to borrow $4B/a font size=-1 color=#6f6f6fnobrSan Jose Mercury News/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256289736hl=ennobrall 43 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chinadaily.com.cn/world/2008-10/08/content_7086334.htmcid=1256586917ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNHsZjUQLaiNCMGh95HaPe_ScZR2wwimg src=http://news.google.com/news?imgefp=eF_DMkx7DrAJimgurl=www.chinadaily.com.cn/world/images/attachement/jpg/site1/20081008/0013729e45180a5647bc5d.jpg width=80 height=31 alt= border=1brfont size=-2China Daily/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/partial-tax-exemption-unleash-free/story.aspx%3Fguid%3D%257BBD7714FD-4410-4FAD-B6FC-19BC9FD68BDA%257D%26dist%3Dhpprcid=1256586917ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNFWLJ2zQUg8OcfScPyeHDbVbIbObwPartial Tax Exemption Will Unleash the Free Market and Buoy Our b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobrOct 10, 2008/nobr/fontbrfont size=-1The root of our financial crisis, while reflected in stock prices, is based on a collapse of the bcredit/b markets and a virtual disintegration of risk-taking b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3D1hnqKnevsC4cid=1256586917ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNGBVenc27UVoG4Y0_qFRy2ldvUaBwVideo: Stocks Fluctuate After Fed Corporate Debt Plan/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/1hnqKnevsC4/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/1hnqKnevsC4type=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.npr.org/templates/story/story.php%3FstoryId%3D95602495cid=1256586917ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNGHaNonFLiwZGuizlGAji8Qlzm_6ARoundtable: Financial Crisis Affecting Swing States?/a font size=-1 color=#6f6f6fnobrNPR/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/2008/10/10/markets/markets_newyork/%3Fpostversion%3D2008101015cid=1256586917ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNH8xGGbGjTpoXXTOUFeOZ0UtObOMAMarket turnaround/a font size=-1 color=#6f6f6fnobrCNN/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/10/10/treasury_plan_fails_to_stem_carnagecid=1256586917ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNEMjZG8oViv2kCLj_SST0N1yowdCAnobrBoston Globe/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.msnbc.msn.com/id/27119159/cid=1256586917ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNEB4l7sHtuMzcvlq-p293rk10hLOQnobrMSNBC/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256586917hl=ennobrall 1,820 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.hedgeweek.com/articles/detail.jsp%3Fcontent_id%3D270902cid=1254860311ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNGUegR7IZsHe58sapwgheVhrrkbCgimg src=http://news.google.com/news?imgefp=7kZiev_e1T8Jimgurl=www.hedgeweek.com/userimages/Chicago_Mercantile_Exchange.jpg width=80 height=60 alt= border=1brfont size=-2HedgeWeek/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.californiaprogressreport.com/2008/10/state_controlle_2.htmlcid=1254860311ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNGxuhIRfUSeKPx0kL-EFjaOwlCKJwState Controller Chiang to Treasury Secretary Paulson b.../b/abrfont size=-1font color=#6f6f6fCalifornia Progress Report,nbsp;CAnbsp;-/font nobr9 hours ago/nobr/fontbrfont size=-1However, while we continue to work through this crisis, I believe more needs to be done to increase investor confidence in the bcredit/b markets, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ajc.com/business/content/business/stories/2008/10/10/credit_trade_swaps.htmlcid=1254860311ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNEiPituI_dYMMhGnJ9VfrFR5noyVAICE, 3 other firms team up to trade little-known securities/a font size=-1 color=#6f6f6fnobrAtlanta Journal Constitution/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.wsj.com/deals/2008/10/09/financials-got-you-down-cme-pitches-credit-default-swaps-the-safer-way/%3Fmod%3Dgooglenews_wsjcid=1254860311ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNEeDKTkFDALocKEimHYOFls8jvDsQFinancials Got You Down? CME Pitches bCredit/b-Default Swaps the b.../b/a font size=-1 color=#6f6f6fnobrWall Street Journal Blogs/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/cme-group-citadel-launch-first/story.aspx%3Fguid%3D%257B097CDE55-CE99-42BF-9BD9-D3650A10B3A3%257D%26dist%3Dhpprcid=1254860311ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNFAvjmBCmJTEYZA2SUMJcotGnEGDgCME Group and Citadel to Launch the First Integrated bCredit/b b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/finance/2008/10/07/cme-pimco-treasury-pf-ii-in_pr_1007dividend_inl.htmlcid=1254860311ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNHOO6OnWieHTYm-xaNFVQvtiiX_ywnobrForbes/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.suntimes.com/business/1206883,CST-FIN-cme07web-w.articlecid=1254860311ei=slDxSIDGGqbU6gOE3pnaAwusg=AFQjCNFw-PRXaB7bjmV84iaUzK-9URNRBgnobrChicago Sun-Times/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254860311hl=ennobrall 91 news articles/nobr/a/font/div/font/td/tr/table

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