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SpinDistribute.com Article Directory

The following article was published in our article directory on February 1, 2011.
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The Things You Need to Know Before Applying for Credit Card

Article Category: Business

Author Name: Michael Cordova

Most households need at least one credit card. Contrary to some people's beliefs, having credit cards will not ruin your financial life. It all depends on how you handle your expenses and how you control yourself when you're using the card.

Having a credit card has its benefits. If you still don't have a credit history, this is one way of building it. There are many banks that offer secured cards which would be a good way to begin building a credit history. Your card can also be used as a way to combine your bills from other cards. This process is called balance transfer. You can pay off the balance in your other cards using the available amount in your card.

As you can see, you can really benefit from using this plastic. However, you must also be cautious in the use of this card. Be careful in reading the fine print before signing up with any of the banks or lending companies. The first thing that you need to know is the APR on the card. APR stands for Annual Percentage Rate. Some cards actually give introductory offers that have very low interest rates. This is very important because it determines the interest rate that will be added to the balance you carry on month after month.

It is also important that you review the fees involved in using this card. Some companies charge an annual membership fee and other fees whenever you use the card and maintain a balance. You must also check what the charges are when you go over the limit or when you are late in making a payment so that this can help motivate you to pay on time and not overspend.

If you are going to use this for balance transfers, make sure that you look for 0 percent offers because there are companies who have this as their introductory offers for their new cardholders. This means that if you transfer one card's balance into this card, you will not have to pay any interest over your monthly payments.

Another important thing to consider is the rewards that the bank or the lending company offers whenever you use the card. Some companies offer points that when accumulated, you get a free gift from them or you can use these points for travel. There are some companies who offer rebates and cash back rewards to their customers whenever they accumulate these points.

Be careful in saying yes to the offers that these credit companies tell you. When an agent calls you to add on a service onto your card, make sure that you evaluate this first and ask yourself if you really need the additional service. Bear in mind that anything you add on will have its corresponding fees.

Every cardholder needs to have a good education in applying for and using a credit card. If you have the proper knowledge in using your card, then you can definitely avoid any problems that might come with mishandling your accounts.

Keywords: credit card,credit card processing,merchant account,credit card processor,no credit check,payment processing,payment plan,in-house financing,check payment,increase sales,retail point of sales,high risk merchant services,pos terminals,payment processing companies,marketing and sales strategies

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