Zach Allred is a tax accountant who encourages disciplined credit card use. You can visit his credit card review site and apply for a credit card after comparing 130+ offers.
Apply for a credit card after you review 5 simple steps. This will alert you to things you need to be looking for in credit card offers.
1. Annual Fee? When you are considering a card to apply for, find out if there is an annual fee. This can be found in the terms if it is not disclosed in the credit card's description. Sometimes an annual fee is justified if the interest rate is low or the card has better rewards.
2. Interest Rate? Find a card with the lowest interest rate possible. This may seem like common sense but often you are enticed by a low or 0% introductory offer but the rate may jump to an unmanageable level after the grace period. Just make sure you read the fine print.
3. Rewards Credit Cards. Reward programs have become very popular over the last several years. Credit card companies pay out millions of dollars. When you are viewing different credit card offers pay particular attention to these programs. Cash back programs are always best.
4. What Is The Card For? When you apply for a credit card decide what it will be used for. Will it be used for gas purchases? Will it be a business credit card? This is important because the card and its program will behave differently in relation to the way it is used. For example, if the card is going to be used in business then only use it for business. The IRS will disallow deductions for finance charges and annual dues if the card is also used for personal charges. Some gas cards give rewards but only for gas and auto maintenance charges.
5. Online Payments. This is very critical. Make sure you are able to make payments online. First this will save you money on interest as finance charges are calculated on the average daily balance. Also you will avoid late payments since the mail can get delayed. It can take as long as 10 to 15 business days for your payment to post to your account when mailed versus one day when paid online. An offer with 0% interest and/or a grace period may be voided if even one payment is sent late. This can be read in the credit card terms.
Apply for a credit card online after you have reviewed different offers. This will give you a feeling of satisfaction knowing you have made a wise purchase after researching what is available. When you receive your card in the mail make sure you sign the back and always keep it in a safe place.
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