Finding the best credit card offers
As the recession continues and as the struggle continues the public are finding it hard to get credit from their banks and are now turning to looking for the best deals on credit cards. When looking for a credit card it is always wise to look for a company offering the best deals and the lowest APR. One way to do this is to use a price comparison site that has all the latest credit card offers.
Their are many different types offering many different services and benefits so its wise to make sure you get the best credit card that is right for you.
For instance most credit card companies now offer 0% APR for upto the first 12 months which saves you money on your purchases. Also another option to look for is if they charge an annual fee as some credit card companies do.
Cashback is another good feature offered by loan companies meaning you earn cash for spending on your card
Some companies specialise in clients with bad credit, meaning it doesn’t matter if you have a history of bad credit or CCJ’s as they will still offer you an instant credit card.
Some card companies will give you an instant decision online and some may take a few days to process your application which is normal. If you are a frequent flyer it might be worth getting a credit card that offers discount on airline tickets if you use your credit card to purchase flight tickets as they pass on the savings to you which is another good feature. Not only that but if you check into well known hotels and use your credit card you also receive more reward points, so ideal candidates for this type of credit card would be a corporate traveller on business. If you do travel alot i would recommend getting the “All in one” credit card as they offer many different rewards including -Flights, Car hire, Hotel, Insurance, Gas and many more rewards
A new card onto the market now gives cashback if you use your card to purchase gasonline at named gas stations.
When choosing your credit card always read their terms and conditions as some cards have hidden charges so its always wise to read the small print before accepting any offers.
A tip when going for a credit card with 0% APR for 12 months is when your card is coming up to the end of its 12 months 0%APR is do to a balance transfer onto a new credit card offering the 0%APR, meaning you never have to pay any interest as long as you remember to apply for a new credit card before the 12 months is up and transfer your remaining balance to your new card.
If your a student there are credit cards for students offering different benefits which you may find useful as a student and many introductory offers so its a good idea to shop around to see what you can get.
