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MasterCard

  • 5528 5663 2805 4285
  • 5192 0318 9041 7845
  • 5360 9889 4222 0376
  • 5162 0624 7022 0354
  • 5384 4276 5803 9342

VISA

  • 4539 2766 1655 0792
  • 4485 2194 4497 1578
  • 4218 1970 3006 3279
  • 4024 0071 7701 2571
  • 4539 2933 5753 0263

AMEX

  • 3486 8036 0495 238
  • 3739 7450 7530 108
  • 3751 8107 7870 488
  • 3734 8751 7362 339
  • 3763 9794 8858 523

Discover

  • 6474 9969 2252 8016
  • 6461 3757 8530 2261
  • 6476 0262 5165 2639
  • 6451 0746 3626 7011
  • 6460 4577 0880 5868

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.

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