https://ccardsinfo.com/question-to-ask-when-choosing-a-credit-card/

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Question To Ask When Choosing A Credit Card
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1. For what purpose do you need a credit card?
The most crucial inquiry is, Why do I need a
credit card in the first place? Is it the money,
the extra benefits, the ease, the travel
advantages, or a combination of any of these?
Finding a rationale will accomplish two things
first it will help you eliminate possibilities
that you shouldnt choose a credit card , and
second it will also assist you in making a
shortlist so that you can choose the finest card
for you.
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2. Are you in need of credit repair or credit
building?
Although most of the time they are mistaken for
one another, credit repair and credit building
are two distinct things. There are many different
ways to fix your credit, and for people who are
just getting started and want to start
establishing their credit history, both are
distinct options that probably call for two
different credit cards. You can keep using the
ordinary card you like while working to repair
your credit.
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3. Do you understand the terms and conditions of
the card?
Often times people just look for the rewards and
advantages of the credit card and ignore the
terms and conditions that come with the card. The
terms and conditions of a credit card, however,
are not like those of an app, where you may
scroll to the bottom, check the box that says I
have read the terms and conditions, and then
continue.
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4. Will the rewards program of the credit card
benefit you?
Different people have different needs and
requirements therefore, a credit card reward
program may benefit them but at the same time it
may not benefit you, and vice versa. Therefore,
examine the rewards program that the card offers
and then see if it is even benefiting you or not.
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5. What is the credit limit offered?
Now the main thing that a credit card offers- the
credit line. A credit line is the maximum amount
of credit that you can use. The bigger the credit
line the costlier purchases you can make. Going
beyond 30 of your credit limit, however, is not
recommended because it indicates to lenders that
you are overly reliant on credit.
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