What to look for on credit card offers?

I%26#039;ve been getting lots of offers but i don%26#039;t really know the difference they all say low interest. I would appreciate if some one would help me understand them better. Thanks

What to look for on credit card offers?credit union

No annual fee, and the lowest interest rate for the longest period of time. Toss out the offers that only give you a low rate for 3-6 mos - they usually jump way up there after that %26amp; it%26#039;s not worth it. %26quot;low interest%26quot; would be anything under 12% for a fixed non-introductory rate. A %26quot;low interest%26quot; introductory rate (say for the first year) would be under 5%, but if it%26#039;s variable after that forget it. Personally I look for the offers that are a guaranteed percentage for the life of the balance if I%26#039;m doing a balance transfer - I%26#039;ve gotten 3.9% for the life of the balance which is great - I can actually pay things off at that rate!

What to look for on credit card offers? loan

I never carry a balance on a credit card, so I don%26#039;t pay attention to rates so much. I think the average is 16-18% which is outragous.

When I look for cards I look at their annual fee which I recommend $0, and a rewards program for every dollar you spend.|||The fine print. Annual fees, One time fees, etc. Many cards offer 300 or 500 credit only to over chargd you with misc fees , leaving you with little credit left on the card. So you end up owing them and haven even got to use your card yet. Also introductory rate offers. Once the time expires on the rate, They raise your rate to an ungodly amount leaving you unable to ever get them paid off.|||If you are planning to pay it off everyone, get the one with no annual fees and earned something worth while. Hotel points, air miles, or real money rebate is the best.

If you are not planning to pay off and carry a balance, then low fixed interest rate, variable is unpredictable. Alos no annual fee. Don%26#039;t get caught up on free first year, you will end up paying that fee due to the balance you are carrying forward.

You should only use credit card for convenience and plan to pay off, otherwise you will be bury in debts for th erest of your life. I have been in th ecredir card business for over 25 years. I see many people just get deeper and deeper. Credit card company issuers are here to make money, no such thing is FREE!|||WATCH OUT!

You can REALLY get in trouble if you spend more than you have to pay the bill IN FULL EACH MONTH!

I use a %26quot;credit card%26quot; to buy EVERYTHING I %26#039;NEED%26quot;! I %26quot;USE%26quot; their money until the bill is due to earn INTEREST INCOME on my savings account!

#1: Get a card with NO ANNUAL FEE!

#2: Find a card that has a %26quot;bonus%26quot; program you like or need. For example: my bank, USAA, gives me 1% of all my purchases back in cash, travel discounts, gift certificates, etc. I usually take the cash. It was over $220 last year!

#3: You won%26#039;t have to worry about the interest rate IF you pay it off each month.

However, the rate is dependent on your credit rating. I%26#039;ve got %26quot;GOLD PLATED%26quot; credit and if I run a balance, I%26#039;ll pay Prime Plus 0%, which is 7.25% right now.

WATCH OUT FOR FEE%26#039;s! Try to find a bank like mine that %26quot;reinburse%26quot; your ATM fees. Shop around a lot!|||Usually it either comes down to interest rate if you will carry a balance or rewards if you plan to use your credit card a lot. Here is a website for each scenario:

http://www.lowinterest-creditcards.net

http://www.rewardcreditcards.net