Shopping around for a credit card can save you money on interest and fees. Youll want to find one with features that match your needs. This information can help you
-> Understand the features of credit cards
-> Compare credit card features and costs
-> Know your rights when using your credit card
-> File a complaint if you have a problem with your credit card
How will you use your card?
The first step in choosing a credit card is thinking about how you will use it.
-> If you expect to always pay your monthly bill in full–and other features such as frequent flyer miles dont interest you–your best choice may be a card that has no annual fee and offers a longer grace period.
-> If you sometimes carry over a balance from month to month, you may be more interested in a card that carries a lower interest rate (stated as an annual percentage rate, or APR).
-> If you expect to use your card to get cash advances, youll want to look for a card that carries a lower APR and lower fees on cash advances. Some cards charge a higher APR for cash advances than for purchases.
Whats the APR?
The...
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