{"id":879,"date":"2015-08-18T14:45:11","date_gmt":"2015-08-18T14:45:11","guid":{"rendered":"http:\/\/andrewwbradley.ca\/Blog\/?p=879"},"modified":"2015-08-18T14:45:11","modified_gmt":"2015-08-18T14:45:11","slug":"5-things-look-credit-card","status":"publish","type":"post","link":"https:\/\/blog.andrewwbradley.ca\/index.php\/2015\/08\/18\/5-things-look-credit-card\/","title":{"rendered":"5 Things To Look For When Looking For A Credit Card"},"content":{"rendered":"

\"5<\/a>Finding the right credit card to suit your needs can be quite challenging, but there are certain things you can keep an eye out for that will make things easier. Doing some research before you start looking for a card is essential to make sure that you get the very best value for money. Here are 5 important things to consider when choosing your next credit card.<\/p>\n

Low Interest Rate<\/h2>\n

Interest rates are an important part of selecting a credit card. There are a range of other essential considerations, but having a competitive interest rate is definitely a good start. It pays to shop around and see what different banks and lenders are offering at the time that you\u2019re looking to sign up.<\/p>\n

Minimal Fees<\/h2>\n

Interest rates aren\u2019t the only thing that you need to consider when selecting the best credit card. Make sure you read and fully understand the terms and conditions before making your decision, as there are a range of hidden fees and charges that can seriously affect you in the long term if you\u2019re not careful.<\/p>\n

Interest Free Periods<\/h2>\n

Cards with an interest free period can be a wise financial decision, as they allow you the freedom of using your card without having to worry about being charged interest straight away. This is a great option for people with a solid budget who know they will repay the card in full before the interest free period ends. If you think you might struggle to meet the deadlines, just bear in mind that these cards can charge very high rates of interest if you haven\u2019t cleared the card by the due date.<\/p>\n

Keep the Limit Low<\/h2>\n

It\u2019s tempting to get the maximum limit that the lender is offering, however it\u2019s just not worth it in the long run. It\u2019s important to keep your card limit low for a number of reasons. Firstly, if your financial circumstances change and you are already struggling to keep control of your credit cards you could find yourself in deep debt in no time. Secondly, keeping to a low limit makes sure that you can always clear your card in a reasonable amount of time, which helps to maintain a great credit rating.<\/p>\n

Credit Card with Rewards Program<\/h2>\n

Some cards offer rewards programs for customers who use their card frequently. Spend some time getting to know the kinds of points you will earn, where you can earn them and what the rewards are. Always weigh up the interest rate and other charges in regards to the rewards to make sure that you aren\u2019t losing out in the long term.<\/p>\n

Having Trouble With Credit Debt?<\/h2>\n

Sometimes credit card debt can simply sneak up on you, and you might not realise how much trouble you\u2019re in until it\u2019s too late. Fortunately, we can help you to overcome your credit card issues and help you regain control over your finances.
\nBy considering these points, you can make sure that the card you choose is best suited to your financial position and needs.
\nAndrewWBradley.ca<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Finding the right credit card to suit your needs can be quite challenging, but there are certain things you can keep an eye out for that will make things easier. Doing some research before...<\/p>\n","protected":false},"author":1,"featured_media":24171,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":[],"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[5],"tags":[102,181,366,454],"_links":{"self":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/posts\/879"}],"collection":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/comments?post=879"}],"version-history":[{"count":0,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/posts\/879\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/media\/24171"}],"wp:attachment":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/media?parent=879"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/categories?post=879"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/tags?post=879"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}