BestCreditCardChoice      ▬▬╪▬▬╪▬▬╪▬▬╪▬▬                                                                 Taking The Sting Out Of Credit

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Credit Cards can either be a convenience or a nightmare.  Many people have started their own business using their credit cards while others have filed bankruptcy.

Check your credit every six months with the credit reporting agencies, or have it monitored inexpensively by one of the available monitoring services.



CHOOSING THE BEST CREDIT CARD FOR YOU
There are basically three types of credit cards available.

The Rewards Card.

• Credit based upon the limits of the card issuer.  
• It is the most prevalent card available today and by far the most versatile.  
• Your eligibility is determined by your credit rating, 
• If you have established a credit history; 
• your credit score determines the credit limit.  
• The "rewards" offered is only limited by the imagination of the marketers 
• The rewards may range from cash rebates to luxury cruises and more
• Many factors involved when deciding which rewards card to choose.
•  The initial offering, 
• grace period, 
• default consequences, 
• use, 
• methods of calculating the interest and 
• eligibility are just a few.  
• Go over all the details carefully before  applying.

The Pre-paid Card.

• Credit is not exactly issued to the cardholder.
• The "credit" limit is based upon PrePaying before using.
• The cardholder opens a $500 account 
• Card is then available for the same amount
• As available credit is reduced, more funds are needed for account
• Commonly used to rebuild credit that has been damaged 

The Debit Card. 

• This card is technically not a credit card, but a "cash" card.  
• Used as a credit card and administered by the issuing bank 
• Through Visa or MasterCard  
• The debit is against the cardholders checking account 
• Acts as cash with the added convenience of credit card acceptance
• Low risk of loss compared to cash  
• No qualifications other than having a checking account
• Convenience rather than a rewards card eliminating interest
• Good for budgeting