如何找到合适的信用卡
Credit cards have pros, cons and various key features.
如果有 信用卡 没有年费, 0%的利率, a $1,000 sign-up bonus and generous cash-back rewards, 那么选择一个就很容易了. 在现实中, consumers must weigh a number of pros and cons to find a 信用卡 that meets all their needs — and the fine print on the different types of 信用卡 applications and agreements — can be daunting. Here are some primary things to look for in your selection.
信用卡审批参数
Some 信用卡s may have a more stringent approval process. Most 信用卡 companies have rules and limits on income, credit score and credit history.
信用卡利率
越低越好，对吧? 的. While it's certainly preferable to pay an annual percentage rate (APR) of 13% than 23%, your real goal should be to pay off the card every month and 完全跳过利息. If you can trust yourself to do that, then you can place a lower priority on a card's APR. But if you're likely to carry a balance — even occasionally — then a low APR should be your main goal.
信用卡费用
Credit card issuers commonly assess fees for late payments, cash advances and 资产转移. 如果这些可能适用于你, research cards with low fees or ones that temporarily waive certain fees. Otherwise, skip straight to the annual fee. 并不是所有的卡都收费一次, but those that are highly exclusive usually do — and they can reach all the way up to $1,000. If a card has an annual fee, make sure it'll pay for itself in rewards and perks.
信用卡奖励
考虑你的生活方式. 如果你是一个宅男, then a card that pays 6% cash back on groceries is probably a better fit than one that racks up hotel points and airline miles. Some cards offer sign-up bonuses after spending a certain amount, but only consider these if you'll be able to hit the spending minimum without overextending yourself.
其他信用卡优惠
Many 信用卡s come with perks that relatively few people know about. Read past the first few sentences of an offer, and you may find hidden benefits such as cell phone protection, 免费托运行李, 延长保修服务, 购买保护, 旅行取消pp王者电子官网, 免除对外交易费用, 进入机场休息室, rental car insurance or free museum visits, 举几个例子.
