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Cell Phone Plans Resellers, The Advantages of Prepaid Cell Phones, Cell Phone Plans Resellers

Finance > Credit > Credit CardCredit Card Shopping Easy if You Know What to Look For

Posted by nick_niesen in Finance on October 29th, 2010

It's hard to get by in society today without a credit card. There are times when they are convenient Erik Karlsson Jersey , such as when you have just enjoyed a nice meal but don't have $100 in your wallet, and times when they are essential, such as when you want to rent a car. Unless you are in the habit of walking around with a suitcase full of cash, renting a car without a credit card is nearly impossible. While having a credit card is an essential tool for conducting business in modern society, you don't want just any credit card Mark Stone Jersey , for they are not all the same. There are thousands of different banks offering major credit cards, and the savvy consumer will take the time to make comparisons before applying and signing the documents.

Each issuing bank is free, within certain parameters, to set their own terms. Here are some things you may wish to consider before applying for a credit card:

The interest rate - This is the rate of interest that your unpaid balance will be charged. If you're smart, you will pay your balance in full every month Ottawa Senators Jersey , but sometimes that isn't possible. Interest rates can vary widely, so you will want to find one that is as low as possible.

Fixed rate or variable rate? Some credit cards have interest rates that are tied to some market index, such as the Prime Rate and can vary with the rate. Other cards have fixed rates that, in theory, will not change over time.

Default rate - This is the interest rate that could apply to your purchases should you fail to pay your bill on time. Getting a low interest rate is nice Mika Zibanejad Jersey , but if you pay late, that 10% rate could become 30% overnight, so read the fine print carefully.

Grace period - Some cards will charge interest on new purchases immediately; others provide a "grace period" of 25 days or so before interest applies. Having a grace period i. Wholesale Jerseys China Free Shipping Wholesale Authentic Jerseys Wholesale NCAA Jerseys Wholesale Basketball Jerseys Wholesale Baseball Jerseys China Wholesale Soccer Jerseys From China Wholesale Hockey Jerseys From China Wholesale Throwback Nike NFL Jerseys Wholesale Cheap College Jerseys China Wholesale Basketball Jerseys From China