Best Credit Card Offers

October 10, 2008

Each and every day, most of us receive several credit card offers in our inboxes. Luring offers, exclusive schemes, low interest levels, etc, are some of the common things found in all of the credit card offers. That is why; it really gets difficult to make out which one is the best offer amidst all of them.

Finding or choosing the best credit card offer does not need any mathematic or much of mind work. You just need to be a smart customer who is aware of his needs. Below are few points that can help you in choosing the most suitable credit card:

Know your needs: Very first thing, when you are to choose any credit card offer, you must know what your needs are. It’s pretty obvious that a student will not a business credit card. Similarly, you must have an account of your needs and desires.

Research is important: Internet has made researching and reviewing very easy. One can get plentiful knowledge on credit cards online. Study credit card reviews, tips and suggestion or anything else that can help you. After all, you have also to do your bit in order to get the best one.

Compare the offers: One must compare credit cards offers minutely. Things like low interest rates, annual fees, discounts, schemes, etc must be compared. This will get you the best idea for the trends in credit card.

Check the reliability: There are several fake credit card companies as well. Therefore, one must check the credibility of the offer especially when you are applying for online credit card. Don’t blindly fill up the details before knowing anything about the offering source or company.

Affordability: This is the best factor to choose your credit card. If you think that you can not repay money or EMI on mentioned interest rates then don’t go for it. Annual fee and similar charges must be in your budget. After all, you don’t want to fall in a heavy debt that you can not repay.

Advertisements, offers, schemes and so on will never end; just you need to deal patiently with all of them. Last but not least, don’t forget to use your own improvisations and expertise while dealing credit card offers.

If you want to know more and the latest on credit card offers, log on to cardconsumers.com, the most reliable guide for credit cards. Cardconsumers.com serves you the plentiful and the best information, tips and suggestions and much more on consumer cards.

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Credit Card has become part of our day to day life, with so many benefits it has, it’s not easy to avoid purchasing on it and avoid Credit Card Debt. But there may be various alternatives to avoid Debt. These Steps explained in detail below could be so useful that if followed with proper guidelines and directions can surely lower your Debt. It’s nearly obvious that if you are an American then you must own a credit card and if you own a credit card then you have almost certainly got more than one card and if you own credit cards, there’s a great possibility that you owe a balance.


Here are ten steps to promptly minimize your total credit-card-debt:

1. Calculate the total debt you owe so that you can devise a plan accordingly.

2. Order your cards as per descending interest rates, with higher rate of interest card first.

3. By this time you better know which one of the cards has higher interest rate in comparison to the others! So start calling the Credit Card Company & ask them to lower the interest rates, this may sound comical but these things do work and if they refuse request made by you, contact the supervisor and plea again.

4. Rearrange your priority list in the similar downward order.

5. Check if there are any particular interest rates or promotional offers that might expire shortly. If you own a card with interest rate at 0% then it would be at the least rank in your priority list, but if changes occur in it after a month, it might get to the uppermost on the list pretty soon.

6. Now, prepare a second list – write down total balance you have on each and every card. Order this in descending manners as well.

7. Finally a third list. This process involves a little mathematics. Get the total balance from each card and divide the sum by total credit limit on the card. This gives you “debt-to-limit” percentage. This list will also be in descending order.

8. By this time, three lists are with you. Each one of the lists will probably be dissimilarly ordered. This step needs your decision that what is your most important objective to 1) get rid of debt as soon as possible, 2) pay as minute interest as feasible, or 3) improve your credit score?

9. If you desire for getting rid of the debt sooner then you should pay bare minimum balances on each and every card but the top ones from each of the first two lists (apparently while averting any new purchase on your card). If you wish to pay as least interest as possible then pay as much as feasible from the topmost card at the first list. If you want credit improvement then pay off the cards according to the order of the third list.

10. Maintain it! If you don’t accumulate new debt, and keep on paying down your cards according to the order of the lists we suggested, you’ll be surprised how speedy you can get rid of the credit card “monkeys” off your shoulders.

Finally, credit is not a bad obsession, but you need to be watchful when you are looking at getting a new credit card. Do a comparison among the variety of Credit Cards available.


Want to Apply for a New Credit Card… Think twice because Credit Card is not just the ordinary Card, it’s what your whole financial planning revolves around, your hard earned money must be utilized and saved well for utilization in future, so better think about its important aspects like available Credit Cards in the market, special offer on Credit Cards and Credit Cards with low interest rate. As there are numerous kinds of Credit Cards available, it’s must to review Credit Cards available. One must do the comparison of all types of Credit Cards before opting for one. If you do require the Card for spending on regular requirements like shopping, gasoline, air travel etc. then you should go for specific cards only so that you can earn the reward points on every purchase.

One can also apply for Credit Cards online and there is good number of websites to help you out in choosing a best Credit Card for you. These websites do have ratings, reviews and comparison of Credit Cards in easy to understand language. These sites do provide the facility to apply for Credit Card Online too and applying on these sites is free too.