What Does Your Perfect Credit Card Look Like?

Before applying for a credit card, it’s critical to have a thorough understanding of what’s most important to you. In other words, what does your perfect credit card look like?

You may never find an offer that suits your every requirement, but that doesn’t mean you can’t come close.

It’s important to note that what you consider to be the perfect credit card may not suit the needs of the next consumer, and vice versa.…
Read the rest

Questions for a Credit Card Issuer Before Applying

You’ve spent plenty of time comparing credit card offers with hopes of finding the perfect one. You’re almost ready to apply, but aren’t totally sure if now’s the right time to move forward.

It’s common to take a step back when you’re close to the end of the road. However, if you let your fear get the best of you, you may never end up with a credit card that can improve your financial circumstances while providing a high level of convenience.…
Read the rest

What are the Benefits of a Second Credit Card?

There may come a point when you realize that one credit card isn’t enough. Maybe you come to this conclusion because you need more buying power. Or maybe you end up here because you’ve maxed out your other card (more on this below).

There are several benefits of a second credit card, including the following:

  • Access to rewards: If your first credit card doesn’t have a rewards program, you may be enticed by one that does.

Read the rest

Is Now the Best Time for Your First Credit Card?

Even if you strongly believe that you qualify for a credit card, it doesn’t necessarily mean you should move in this direction. Before doing so, it’s imperative to review both your situation and what you’ll get in return should you decide to proceed.

Here are a few things to think about as you ponder this question:

  • Employment status: It’s never a good idea to apply for a credit card when you’re unemployed.

Read the rest