Shop For a New Credit Card Online
There are lots of people who play the credit card game – using it to their benefit and not just their downfall. A lot of people are firm believers in not using credit at all, except for maybe a house or student loans. It is a smart idea to save up cash to buy the things you want, but what about the things you need?
I’ve had lots of situations in my life where maybe I blew out a tire or had to pay for something for school, or needed emergency gas money to get home to my family for a funeral or something similar. Sometimes you run into these unexpected situations, and even the most savvy of people who have savings accounts and emergency funds may find that they don’t have enough when the need arises.
If you’re responsible and don’t abuse credit cards, you might find that you can improve on your current interest rate just by calling your credit card company and asking for it. If they won’t do it, call up another company and tell them what you’ve got and what you’d like to be offered. Once you have the offer, you could either accept it and do a balance transfer (many banks do this with a 0% interest rate for 12 months) or take the offer and call your company back and use it as leverage.
Whether you’re new to credit cards or just looking for a lower interest rates, or a rewards card, or just a different bank to deal with, you can comparison shop online by reading up on credit card reviews and find the one that best fits your finances. If you travel a lot, you might want an airline rewards card. Or if you talk on the phone a lot, you might want one that gives you free long distance minutes.
Be responsible, don’t buy things you don’t need on credit, and pay off balances as early and as soon as you can without making yourself stressed out.