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You are looking for the best credit card for your specific use characteristics?. There are so many  offers of banks and choices in credit cards. It is today easy to get caught up in the race for which credit cards has the highest rate and fail to consider the other important characteristics that possibly help to select a credit card that is the best geared for your special needs. There are some factors which are of importance and you ever should think about.

1. To get a low interest rate

The interest rate for most of the people is the most important factor if you compare credit cards. No one should not make a mistake. For the case the low interest rate is the only important factor to compare different credit cards it is very critical to really find the best credit card enterprise. Your overall credit rating will help you to secure a much affordable rate if you are a high risk for the credit card enterprise. If you are searching you should be sure that the card you have selected allows you to pay all your expenses in full with no additional interest charges which are possible with comparable other credit cards.

2. For some frequent flyer miles cards are the best

If you travel because your business requires it you possibly will see that the use of a credit card that is tied to a some airlines is a really good way to rack up frequent flyer miles. Such frequent flyer miles cards possibly can be taken in future business or vacation travel while using the card to purchase the tickets for the airline itself for current business. The best method can be checked with the employer. A lot of such cards will allow you to purchase private own tickets for airlines if you use a personal credit card for frequent flyers. Then you will reimburse for the cost of such a ticket, but nevertheless it is allowed to take the frequent flyer miles there is a accumulation of money on your card for personal use in future.

3. Student credit cards for some of us may be the best

Credit cards especially for students are obtainable already for a lot of college students. Also even for most of the high school students it is easier to obtain a special credit card for their school expenses. Such student credit cards normally  need someone of parents as a co-signer and feature then a low interest rate. Under such special conditions the banks which offer such student credit card are hoping that the student after finishing the school or study afterwards elect to sign up for their own card with a larger credit line when they have finished the studies and will become employed in full time. For credit card companies they are very good clients for the future. Mostly students do not change the bank and the hope will be fulfilled. 

4. Possibly cash back credit cards are the best for you

Such a so called cash back credit card seams to be a very good deal. You should put regular purchases on such a card and it is the best to pay the balance every month. Then you can avoid any interest charges which must be paid for the bank. From the company you will receive a check always after every six months which will be a low percentage of the purchases. Is that correct? In theory it is correct, but you should be very careful. Background is that all of the cash back credit cards normally have got a higher interest rate than the standard credit cards. Yes, you will get cash back even if you do not carry a balance from month to month. By this reason there are possibilities that you will eventually carry a balance. If it is in this way that may counteract any cash back money you would receive if you behave so. So be carefully to use this type of credit cards correctly. Then they are fine. But you must be very controlled with with your money.

13.08.2012



 

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If you need a credit card or a new credit card please compare the credit card characteristics: What the credit card should be able to do? 

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