If you are like the rest of us, you are probably bombarded on a daily basis with credit card offers. Most are from Visa, Master Card, American Express, or Discover, and, often times two or three from the same company. Im sure you have even heard the stories of dogs getting credit card offers.
So how do you know which one to choose from? Are they all bad? Is there ever a time when a credit card is actually a good thing?
Well, the answer to all of the questions above, like most things in the financial world, is that it depends completely on your financial situation and what you intend to use the card for. Since no two people are alike and it would be impossible to go over every situation, lets stick to the basics and then you can take these principles and apply them to your life.
INTRODUCTORY OFFER
I am sure it is no surprise that this is both a good thing and a bad thing. Most cards today are offering 0% for a certain period of time. This 0% offer is usually on Balance Transfers, existing credit card debt you want to move to the new card and new purchases during the introductory time frame.
After the introductory period is over, the credit...
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