Compare Credit Card Offers and Save Big Money

Did you know that credit cards are just a different kind of loan

? While some loans, once paid back, disappear, credit cards are an ongoing source of loan to borrow from. Just as you would compare various loan products when you are looking to borrow money, you should also look to compare credit card offers to see which one is the best for you.

The options are endless because credit card companies want you to find the right card for you. So, what are the factors that you should use to compare credit card alternatives with? Here are a few that we'd suggest:

Compare credit card offers with

Interest rates on various ways you'll use your card. (Sometimes there might be different rates, depending on whether it is unpaid portions over the repayment period, balance transfers, cash advances, etc.)

Penalties, fees, surcharges, etc.

Repayment period (in which you usually are allowed to pay the money without any interest).

Reward points or frequent flier mile and what you can redeem them for. (Be sure to only choose credit cards that are actually useful to you by offering you points that you can spend. For example, if you never fly, there's no reason to get a frequent flier card).

Insurance availability, including travel insurance, car rental insurance, health insurance, and purchase insurance.

Fraud prevention program (including technological safeguards, like chips or PINs, or head office security checks).

Cash advance options (including how much, how often, and where accessible).

Credit limits (and how often these are revisited).

Statement dates and payment due dates. (Make sure these correlate to when you get paid).

When you compare credit card offers, you'll easily narrow down your options from potentially hundreds of cards to just a few that are the best for you.

Compare Credit Card Offers and Save Big Money

By: John

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