Before applying for a specific credit card there are several things you should take into consideration before making your final decision.
Credit History – Before you apply for a card you should get a free credit report so you will know what types of cards you are eligible for. (By law you can can get a free credit report once annually). If you have a limited or damaged credit history you will have to limit your potential choices to cards that cater to your particular situation. For example, cards such as the Aspire Gold Visa, Orchard Bank Gold Mastercard and the Orchard Bank Platinum MasterCard (to name a few) are cards geared toward consumers wishing to establish or rebuild their credit. These cards usually have higher aprs and come with annual fees. So you will have to shop around checking different offers — maybe even make some phone calls in order to find the best credit card for your financial situation. By using one of these cards responsibly for a certain period of time, you will eventually be able to upgrade to a better card with better rates thus improving your credit rating.
Keep in mind that if you apply for a card that requires a better...
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