Credit cards

Credit Cards

Credit cards helps you to meet your needs. They provide shopping convenience at more than 15 million locations around the world. And you can use them to obtain cash almost everywhere you go.

So you're looking for a credit card. Maybe it's the first card you've ever had, or one for another member of the family. Maybe it's to replace the one you maxed out and have only just managed to pay off. Whatever the case, begin by being sure of what you want and what you can afford. Then ask a lot of questions before you sign up for that card. A larger debt than you expected (or budgeted for) and some horrible credit report black marks can follow if you make the wrong choice.

We'll walk you through the process so that you can be satisfied you have the best deal when you finally ink the contract with card company A or company B.

Before you shop
This is a basic homework step that is often overlooked, and that can leave the would-be card user making a final choice without having all he facts they need at decision time. The most obvious one of course is to check your credit -- otherwise you might be adding debt to a bad situation.

Checking your credit
How do you plan to pay
Cards for people with so-so credit

When you're ready to buy
You'll be approaching banks and credit card companies about your new card, and that can lead to more junk mail than you ever thought one mailman could handle. You also have to be ready for telemarketers and companies calling out of the blue.

Cards for teens and students
Credit insurance
Credit card sales scams
Using the web to find a card

Landing the best deal
This is not a simple process. It's not difficult either, it just takes a little time to make sure you know ALL of the details of how your card will work.

Key questions to get answered
The heart of the matter
How to assess what you'll really pay (calculators)
Credit unions often have better rates

After you've got the card

Problems happen. Here's some basic background on how to handle some of the major problems that can arise.

Balance transfers

Liability -- if it's stolen or misused

ATM's Introduction

Defn of credit card terms

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