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MasterCard

  • 5316 1014 9855 0767
  • 5223 4717 0271 4158
  • 5423 4220 7274 0131
  • 5419 5213 3549 3713
  • 5416 8996 3987 2250

VISA

  • 4386 5205 7485 5931
  • 4556 6379 9757 3968
  • 4485 2085 0249 9622
  • 4556 2579 5296 3615
  • 4916 0263 8982 1331

AMEX

  • 3768 8541 4041 160
  • 3427 5415 5428 211
  • 3453 0937 8122 278
  • 3769 4397 0512 163
  • 3735 9424 7230 015

Discover

  • 6471 1505 2192 6733
  • 6460 4530 6853 5146
  • 6456 4448 8021 2945
  • 6479 0014 6343 1715
  • 6011 2561 9969 6065
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How to Choose Your First Credit Card

If you have decided to buy a credit card, you must choose a card that is most beneficial to your needs. All credit cards enable you to shop without cash but there are cards that provide more privileges to its customers than others. Here are a few things that you should check before choosing a credit card company:

1. Interest Rate: Choose a card that offers a lower interest rate but also enquire if the interest rate will remain the same. Some card companies promote their cards by offering a very low interest rate only to increase it once the promotion is over. Check if the issuer is charging interest from the time of purchase or from the billing date.

2. Benefits: Most credit card companies provide rebate on gasoline, store purchases, phone calls, air travel miles, free subscription, etc. Check the rewards, offers and rebates your credit card company is offering and compare it with others.

3. Penalty, Fees and Charges: Most card issuers have a set penalty charges for late payment of interest and balance. Some even charge fees for subscription and warranty. Ask about any hidden terms related to such charges before you end up paying more than you are required.

4. Billing Cycle: Check if the billing cycle starts from the date you purchase the card or from the date you first use it. Also make sure your card issuer has a monthly billing cycle instead of once in two weeks.

5. Online Payment and Reports: Most credit card companies give the option to pay online or over the phone. You can also download monthly statement from the Internet on your computer or Smart Phone.

6. Check your Credit Limit: When you purchase a card, the issuer company will set a limit based on your credit history. However, over time, most companies increase this limit depending on your payment schedule with them over time. If you are unaware of your credit limit, you might end up spending more than you realize.

7. Apply if needed: When you choose your first credit card, you must be mindful of why you are applying for a card and how you are going to pay off monthly debt. Using a credit card to buy all that you want is a very attractive possibility, but eventually you have to pay for everything you buy using your card. Make budget and keep emergency funds for paying off debts.

If you pay your balance every month, then you will be paying 0% interest and your credit card will act as a short term loan with no interest rate. Credit card is a good choice for paying college fees, planning a trip and even for buying groceries. The only thing you should remember as a consumer is to use your card for things that you can afford and if at all, you are planning to buy yourself something very expensive, try and get it in installments that you can pay with your credit card. This way, you can still have less balance and manage to pay your card debt every month.