Credit Card Offers
Credit Card Offers

Many of us receive credit card offers every week in the mail. If our credit score and history is good, we are eligible for a variety of cards and credit limits. Depending on our payment history, the offers can range from fantastic, to average. So, how can we tell which one is right for us? Here are some tips when it comes to choosing a credit card.

The interest rate and credit limit will be the key factors to consider when choosing a credit card offer. If you have a few, compare the rates, and the amount you can charge to the card. APR, or Average Percentage Rates, fluctuate depending on your financial history. If you have a good reputation, meaning you make payments on time, and often more than the minimum payment, you are likely to receive great offers. Sometimes credit card companies offer more than one card, which means you may receive another card from the same company you already do business with. Credit cards have a variety of bonus, and reward programs, which should also be considered when choosing. If you’re an avid flier, choose one with a good mileage program. Large purchases can also result in special rewards.

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