Everyday, people spend for different purchases either on goods or services. Money is required when you go to a store, a gasoline station, a restaurant, and many more. In all these different situations, running out of cash is probably the last thing that you have in mind. But even so, there are unavoidable circumstances when you do run out of cash; and the situation can be quite embarrassing, especially if you don’t have any credit card.
A credit card allows you to make purchases on credit, as long as the store accepts credit cards. With the card in hand, running out of cash is not much of a problem anymore. That is why many people are finding credit cards quite handy, and there are even those who can’t live without it.
But wait, applying for any credit card that comes your way is a big no-no. Credit card companies often have enticing offers, but don’t be easily fooled. You should be careful in choosing the card company that will definitely suit your needs.
Here are terms that you should be familiar with before filling out any application form.
Annual percentage rate or the interest rate – cards are being charged with an annual...
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