Comparing Credit Cards
by: Rudy Hadisentosa
Like any merchandise, you need to compare credit cards too before you actually decide on which one to go for. The selection of a credit card should not be based just on what is good, since there is nothing like a good credit card. Neither should it be based on the recommendations from a friend. The credit card that fulfils your needs is the one which is good for you. Something which fulfils someone else?s need would not necessarily be good for you since everyone has their own needs. Moreover, do not get bowled over by all the offers being run by a particular credit card. A lot of them are just selling tactics and might not meet your requirements (and you can?t keep changing credit cards each fortnight).
So the first step is to evaluate why you need a credit card. List down all your requirements and classify them as primary, secondary and tertiary needs. Next, search for the credit cards that fulfill most of your primary needs. Compile this information in the form of a list or a document. Now check these credit cards for what secondary needs they fulfill additionally. By this time you should have short-listed 2-3 of credit cards (or maybe just one). Finally use your tertiary requirements to solve the tie-breaker.
The following are the things that you should consider when comparing credit cards:
1. The APR: There is a short term as well as a long term APR. Short term APR is a marketing and sales tactic and is used to lure new customers into signing-up for the credit card. This APR is offered for a short term just after you sign-up for a credit card. So you should really be looking at the long term APR.
2. Additional benefits: These could be in terms of discounts at a particular store where you shop a lot or discounted car rentals or air fares etc. Again, based on your requirements these may or may not be of your interest
3. Annual fees: Of course, this is your outgo on credit card services and whether you use your credit card once in a year or 1000 times, you will always have to pay this fee. So it is a very important factor indeed.
4. Credit limit: For heavy spenders, this is a very important feature. Again, check your requirements before basing your selection on this feature.
5. Rewards program: Some credit cards offer very attractive rewards program. These are the points you earn for spending on your credit card. Once you have enough points you can barter them for goods or service and even frequent flyer miles.
6. Interest free period: If you are going to overspend on your credit card, the interest free period might be of particular interest to you.
7. Cash withdrawal fee/charges: These are the charges you pay when you withdraw cash on your credit card. So if you intend to use such a service, this will be of interest to you.
8. Forex conversion rate/fees: For people traveling overseas a lot, foreign currency conversion rates will make a lot of sense. Some companies don?t charge a fee but have ridiculous conversion rates which compensates for the fee.
There could be a lot of different offers and you might be enticed to go for them. However, the key is not to get lured by such offers and to stick to your requirements when making a selection.
About The Author
Rudy Hadisentosa: CCN.com is a free online credit cards review and application website. We offer credit cards selection from visa, master cards, discover, american express and many others. We have quite some categories and hundreds of credit cards selection to fit your need. Apply for a credit card at CCN.com.
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7 Things to Know when Renting a Car
7 Things to Know when Renting a Car
by: John Mancini
In today's society, there are a number of reasons why people rent a car. Some of the top reasons are vacations, a car they own is in the shop and renting a nicer car for a special occasion. Whatever the reason that you are considering renting a car; there are some things that you should know first.
1- It is wise to shop around when looking for to rent a car. Always find at least three rental car companies to compare, although more will be better. Be sure to ask all the companies the same questions to get the most accurate answers. Most rental car companies will have websites online to find basic information, but it is best to call as local branches may have deals that are not advertised online.
2- When you call, be sure to ask about price, vehicle availability, as well as any specials that the branch has to offer. It is worth noting here, that many of these companies will have special...
7 Things to Know when Renting a Car
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Home-Based Business Owners, You Need Insurance Coverage
Home-Based Business Owners, You Need Insurance Coverage
by: Matt McWilliams
When you start a home-based business, buying insurance may not be your first priority, but you cannot afford to ignore it either. When the unexpected happens -- and it will -- having insurance coverage may mean the difference between the success and failure of your home-based business.
You may not require all types of insurance listed here, but taking some time now to consider your insurance needs can save you money and headaches in the future. Ultimately, after reading this article, the best way to determine your complete needs is to consult with your insurance agent. Explain to them the details of your home-based business and he or she should be able to determine the best insurance coverage for you (and any employees).
Health Insurance
Health insurance should be the first consideration for yourself and any employees you may have. If you have just left...
Home-Based Business Owners, You Need Insurance Coverage
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Credit Card Extras
Credit Card Extras
by: Peter Kenny
Depending on which company supplies your credit card and which credit card you have, you are likely to have access to a whole range of additional services that come along with your credit card. These will be different for all credit card providers who each offer their own benefits and advantages to their customers.
Some credit cards will offer you special discounts or benefits from specific stores or companies. So you may for example get a discount for all purchases you make from a specific company. This will especially be the case if the credit card provider is in some way affiliated with a store or major retailer.
Another benefit you may get from your credit card is when you rent a car. Many credit card companies will offer you car rental insurance when you use the card to pay for the car rental. The same may be true of booking flights or other travel purchases. A benefit of the credit card may that...
Credit Card Extras
Term life insurance > Credit Card Extras
Credit Card Extras
Credit Card Extras
by: Peter Kenny
Depending on which company supplies your credit card and which credit card you have, you are likely to have access to a whole range of additional services that come along with your credit card. These will be different for all credit card providers who each offer their own benefits and advantages to their customers.
Some credit cards will offer you special discounts or benefits from specific stores or companies. So you may for example get a discount for all purchases you make from a specific company. This will especially be the case if the credit card provider is in some way affiliated with a store or major retailer.
Another benefit you may get from your credit card is when you rent a car. Many credit card companies will offer you car rental insurance when you use the card to pay for the car rental. The same may be true of booking flights or other travel purchases. A benefit of the credit card may that...
Credit Card Extras
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Vehicular Accidents: If This Doesn?t Happen To You Now Then Expects For It Later
Vehicular Accidents: If This Doesn?t Happen To You Now Then Expects For It Later
by: Jinky C. Mesias
You can hear people say that owning a vehicle is like signing your own death sentence. In some way this saying may contain some truth to it. You may be very careful when driving but then there would always be those careless few. So the best thing is for you to prepare for the inevitable. There are safety driving tips as well as things to do during an accident that every driver ought to know.
Let us first discuss the safety tips:
1. Check everything from your car tires, to your car?s brakes to every single screw and bolts you can find in order to ensure the running condition of your car.
2. Check all the lights if they are working and then check also the oil (brake fluid, engine oil, etc).
3. Check if your radiator has water
5. Bring along your first aid kit, camera, emergency lights, repair tool box and early warning devices.
6....
Vehicular Accidents: If This Doesn?t Happen To You Now Then Expects For It Later
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