With debt at an all time high, many of us will be looking to either transfer our current credit card debt or apply for a new credit card with more benefits or lower interest rate. However, with a plethora of card offers out there, deciding which card, if any, is best for you can seem a little daunting
What follows are some useful tips and advice that hopefully will help your decision making a little easier and clearer.
Loyalty/bonus cards
As people’s circumstances vary so do the credit card deals on offer. If you intend to clear your bill each month, the interest rate on your card becomes irrelevant as you won’t have to pay it. Therefore you should consider going for a card that offers some form of loyalty bonus such as redeemable points, cash back or air miles.
Interest-free offers
These cards are particularly useful for those don’t clear their balance each month. Shop around for cards that offer 0% interest on balance transfers and purchases. The length of these offers tend to vary, so choose one that is appropriate to you needs i.e. whether you intend to use the card mainly for purchases or a balance...
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