Extra! Extra! Read All About Credit Cards!
Credit cards are relatively simple to use and easy to apply for. But still, many people don’t know all about credit cards and have multiple questions about how to best get and use them. Here, we will briefly answer four of the most commonly asked questions about credit cards.
1. What is a good credit card to apply for?
This question has no “one size fits all” answer – it’s different for every person and every situation. Generally, a “good” credit card is one with no annual fee and a low interest rate. But if your credit isn’t the best then a card with easy approval might be better. Or, if you travel often then a card that can earn you frequent flyer miles might be more attractive. Choosing a “good” card for your unique situation requires a little research. To learn more about choosing a credit card read
2. Tell Me all about Credit Cards, Like How can I get my first credit card?
There are many ways to get a credit card for no credit in 2014 and beyond. You can begin with a card that is relatively easy to get, one that doesn’t require a high credit score. Often, store cards (like department, appliance or jewelry stores) are like this. If you are a high school or college student you may be able to start with a student card, which generally has easier qualifications. There are also secured cards, where you make a deposit in a savings count to “secure” your card. Or, you can get a co-signer, that is another person, with good credit, who promises to pay if you do not. To learn more about the best way to apply for a credit card read:…
3. How and when do I get and redeem credit card points?
There are various rewards programs associated with credit cards today which make comparing credit cards important. You can earn frequent flyer miles by using your card, earn rewards to buy items, earn discounts, cash back and more. In fact, the rewards can be an important part of your decision of what credit card to choose. Remember, though, that you often have to be proactive to get the benefits from your points. This means that some cards require you to specifically sign up to earn rewards, and leave you responsible for tracking your rewards and initiating the use of any discounts or incentives as a result of your rewards. So read the fine-print all about credit cards when your new card arrives and be sure you understand your card’s reward policy if you really want to benefit from it. To learn more about rewards and points read: …
4. Can a couple in a household both have separate cards?
If you know all about credit cards you know that you can have a credit card in your own name, that only you can use and that only you are financially responsible for, even if you are married. You can also have a credit card that only you are financially responsible for, yet request a card in the name of another person whom you want to allow to use your account – this can be a spouse, family member or friend. In addition, you can apply for a credit card jointly with another person, so that you both have a card in your name and you are both financially responsible for the account. That person can be a spouse, but it doesn’t have to be. So, in short, you and your spouse can have separate cards or joint cards, whichever you prefer. To learn more about joint cards read: ..
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