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Credit Card Tips

Credit Card TipsAre You Ready For a Credit Card? You may already have a credit card, but if you don't, you can be sure there will be many opportunities to get one.

Like loans, using credit cards can help you build a positive credit history. This can enhance your ability to receive a private student loan, buy a car, rent an apartment, get a job, and eventually, try to buy a house.

Last Updated - 30th September 2005

The Advantages of Credit Cards

How Credit Cards are Billed

When making your decision about a credit card, ask yourself the following:

If you decide to apply for a credit card, be a smart consumer and shop around. Look for a company that offers the following:

Helpful Hints on Using Credit Cards

Credit cards can be helpful in emergencies or if you are able to pay off the balance each month, but be wary! Credit cards can also get you into trouble. Here are some helpful hints on using credit cards:

Balance Transfers
Reduce your monthly repayments for 6 months (typically - will vary with card issuer). Consider:

Low Rate Balance Transfers
A credit card issuer may offer a permanently low interest rate on balance transfers. If you have a large outstanding balance which you cannot repay within the 0% period offered by other card issuers then this option can save you money. You must calculate your repayments and decide.

Interest Free Credit Cards
Typically 6 months interest free period for purchases. Useful if you want to make a major purchase. If you do not expect to pay off the balance within the interest free period then check the regular interest rate.

Cash Back Credit Cards
If you normally pay your credit card balance in full every month then there are some good deals about. Rewards can be in the form of air miles, points, or cashback. %APR do not tend to be the lowest with this type of card.

Disclaimer: The Credit Card Tips / Information presented and opinions expressed herein are those of the authors and do not necessarily represent the views of Tips And Treats . com and/or its partners.

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