First things first, the world is plastic and everyone needs to survive. Thanks in part to the existence of credit cards, the world has become a lot more livable and safer - financially speaking. The problem then is in the selection of the credit card offer that is appropriate for you. Basically, the question that needs to be answered is which credit card should you go for in order to buy anything and everything you think you need or may not need.
Believe it or not, it all starts and ends with you. The important thing is that you first know what it is you want as well as where you currently stand. The fact of the matter is that there are a lot of credit cards out there that would fit your personal preference and lifestyle.
If you are still in college, there are various student college credit cards you could choose from. One is a Citibank Platinum Dividend college student credit card. Balance transfers are allowed in this particular credit card as well as a cash advance facility.
Also, cash backs are earned in this credit card that is worth two percent on purchases made at stores, gas stations, as well as other basic utilities. This college student credit card allows one to build early on a credit history.
Fortunately, this student college credit card does not require one to pay an annual fee. Plus, one also needs to have good credit standing in order to be eligible for one.
Another college student credit card is one that is offered by Discover. There is no annual fee required and there is 0% APR on purchases that are made in six months.
That is if you are still in college, the above credit cards could apply to you. However, if you are one of those who may have bad credit, fear not. The fact of the matter is that there is still a credit card that could help you get out of your current financial rut (and put you in another one - just kidding).
If you have a history of bad credit, a credit card offer from Bank Premiere MasterCard may be the one for you. Thankfully, such a card is designed specifically for persons who just have bad or imperfect credit.
This credit card offer has the ability to decide quickly if you are eligible or not. Also, you could easily access your own account just by calling their customer service by phone any hour of the day at anytime, 24/7. If you have a bad credit history, this credit card offer is right for you.
Another credit card offer you could take into consideration if you have bad credit is from Bank Orchard MasterCard. They offer an 8.9% APR and the benefits the card offers is similar to those who have MC Platinum.
Also, the beauty of this credit card offer is that one is entitled to pay on the due dates convenient to them. An add-on is that the options for payment are extremely flexible. The credit card also offers a liability fraud protection. No fees are charged up front.
All in all, these are but a few of the credit card offers available for you. This serves as a basic credit card offer guide. You may do your own search and determine on your own the particular credit card that is perfect for your lifestyle and preference.
Best Credit Card?
I'm trying to decide whether to get another credit card. I've gotten offers from American Express Blue (twice) and some others so now I'm trying see what better offers are out there.
Right now I'm currently using Chase Student Credit Card from Mastercard because I'm currently a college student. This is my very first credit card and I've been using it for a year now. They started the credit limit at $2,500 and as of this moment it's now $3,500. My current APR is 15% and I'm on the verge of paying Chase out completely and I want to start fresh with a new card, but I'm having trouble deciding where to go.
Visa, Mastercard(except Chase), or American Express.......should I stay with Chase Mastercard or jump ship to another card.
Side Note: I've also heard that Chase likes to increase their APR whenever a customer opens a new credit account from a different card company. This is one of the reasons I'm thinking about getting another card.
Answer
ouch, 15% APR? what i would say, is to go to citibank.com and check out thier credit cards. most of them have an intro rate of 0% for a year and low APRs after that. a good thing to do would be open one of those cards and do a balance transfer so you won't pay Chase all that intrest. Citibank also has 0% on balance transfers. another great company is Capital One. if you have the chance though, take american express. they are an excellent company and in this day and age, having an american express in your hand opens some good doors. good luck, hope i helped
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