Apply for a credit card should take account of factors

【-Feature 】 a good credit cards often have to have "features, limitations, offers wide" elements. If the application for a credit card before the service and its relative provisions, so not only does the assortment of perplexity in the application form, and take full advantage of the convenience of credit cards. But generally speaking, the credit card provided by the project and not listed in the application form, mostly to get a credit card, you receive with the card delivery service manuals and protocols to a noteworthy detail. In have not yet received credit card at most only before asking who already hold the card. Therefore, the obligation to restrict less elastic, the greater will be the application of the main factors taken into account.

For no credit records, obtaining credit card appears to be a priority, but somewhat speculative, try to apply for, though without too many scruples, but should not be completely regardless of the issuing company's reputation and to apply for this card are possible costs and costs. And once you establish a credit record, should carefully compare the card is value for money, you have good credit card requirements, timely conversion, and use a good credit card in order to live within our means, to reduce unnecessary expenditure.

Currently, in addition to the United States express company only issuing the card, another MasterCard (MasterCard) or visa (Visa) company authorized United States issued credit card in the Bank, the United States in the territory of about 6 000 bank issuing business credit card business. The Bank or at the Visa and MasterCard, issued or only issue one. Regardless of what the Bank issued are the right to determine the annual fees, interest rates, and other expenses, as well as the provision of additional services. As a general store generally accepted Visa or MasterCard (some stores don't accept American Express), and Visa and MasterCard is no much difference, so choose a credit card is not in its categories, and in the choice of an ideal credit card issuing bank. And should include consideration according to the order of precedence is as follows:

1. annual fee

The annual fee is achieved major expenditures in the credit card service. General card annual fee of approximately twenty dollars from top to bottom, and the United States express is $ 55. Only in recent years many industry and financial institutions involved in the credit card market, the launch of its new, often with no annual fee for life of welfare, but only for the promotion period, after the promotion period, you will need to pay annual fees. Some financial institutions will launch the first year and no annual fee, AT & T Universal Card is issued at the beginning of the newly launched many lifelong no annual fee credit card. And Citibank or other banks are also often not launch new customers on a regular basis in the first year annual fee waiver. Required to pay the annual fee, the issuing bank for card effective date of the next month Bill automatically assessed the annual fee. If you have dependents or relatives want use your fuka accounting, fuka annual fee is required should also be taken into account. In General, the first is free, the subsequent fuka may be required to pay half-fare or ten dollars or so years, and the United States express fuka more expensive, charge $ 30. Another Citibank may obtain three print the name of another person, is a credit card free fuka can obtain free fuka more of a home. (Note: fuka the benefits and services and the primary card are the same, but it does not have separate accounts, and the primary card sharing an account and the same credit limit. )

2, Grace (Grace period)

The former has described, in addition to the debit card does not have a grace period, all credit cards have a grace period of buffering. The so-called grace, past generally refers to store billing credited to your account from the date you received the bank accounts of interest-free period. Usually the Bank will be payable on the due date printed on the monthly statement of account, for the mailing and handling procedures, it should be before the due date for five to seven days. However, recently, because of the economic downturn, the credit card company in order to avoid long-term customer owed but will redefine the grace period. Since starting the shopping day to reduce the grace period, this situation occurs most often during the grace period longer credit card. In General, a grace period of about 25 to 35 days. Different credit card companies require a different, more long grace period, the more favourable to consumers. In considering the grace period, should the issuing company on the day of commencement and the settlement date for a learn so much and when, and on the advantages in the form of lost the essence of convenience.

3, a credit limit exceeded (Over limit)

Many people use a credit card, often only remember always check account, rather than each month credit limit, the limit is exceeded, you will find statements above have exceeded the limit of a fine, if you desire a strong and properly manage expenditures, it is best to choose a free lower fines or penalties.