How to Get the Best Credit Card: Apply for a Credit Card

GET THE BEST CREDIT CARD NOW! How to Get the Best Credit Card: Apply for a Credit Card and its links could save you over a thousand dollars this month. This free website contains advice on how to get the best credit card. If you want to get the best credit card possible, you’ve come to the right place.

Whether you use a credit card or not, it's a good idea to have one. Without any warning, my bank was recently taken over by the FDIC. All of my accounts were frozen until the FDIC issued checks. As you can imagine, that left me in a difficult position. I had money in other institutions, but it wasn't readily accessible. Because of this, I found myself using credit cards I hadn't used in years. This experience opened my eyes, and made me realize that I needed to write this article. We all need a backup plan, and credit cards are part of that plan. I hope you are able to benefit from my experiences. Good luck!

• Comparison shop for credit cards at CreditCards.com. By doing this, you can get the best credit card for you needs. In addition to this free website, there are many other useful sites that will help you compare. CardOffers.com, ASAPCreditCard.com, CreditCardGuide, and CreditCards.org are also good sites to do some comparison shopping. Perhaps the best comparison is by Money.MSN.
• Check out all credit card offers. Don't just accept the offers that are sent to your home. Some of the best offers are seldom offered unless you look into them. Some of my favorite credit card offers are from the following companies:

Amazon.com Rewards Visa

American Express Blue Cash

American Express Costco TrueEarnings

Capital One No Hassle Cash Rewards

Capital One Venture

Chase Freedom

Fidelity Rewards AmEx

• Before signing up for a credit card, look at the following:

1. Annual Fee - This fee is charged each year, whether you use the card or not. A good card will either have no fee or a small fee. Remember, always ask your credit card company to waive the fee. If you pay on time, they almost always waive this fee.
2. APR - This is the annual percentage rate. The lower the APR, the better the card. Don't be fooled by introductory rates. These rates climb after a designated period of time.
3. Store-Use Only - These credit cards are only good in the store that has issued them. Generally, this isn't the kind of card you want unless you shop at that store a lot.
4. Transfer Fee - This fee is charged when you transfer a balance from another credit card. The best cards offer a zero percent transfer fee.

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Finally, someone has written a book which is clear, concise and comprehensive on the subject of credit cards. The Skinny on Credit Cards will be helpful to everyone from the young adult getting his or her first card to the older adult who has used cards for years and never really totally understood the rules of the game. The Skinny on Credit Cards is a compilation of all the books and articles that have been written on the subject. All the experts were consulted. The Skinny On™ presents all the relevant information in an entertaining and easy-to-digest fashion. The credit card world is willing to lend you money. They want money back in return in the form of fees and interest. In some ways, the use of a credit card is a big game. Your job as a consumer is to play the game well so that you get more out of the relationship than do the credit card issuers. The Skinny on Credit Cards will teach you how to win the game!!

• The best way to get a good credit card is to have good credit in the first place. The best cards don't have to look hard for customers. When they do accept a new customer, they usually look for people who have good credit ratings.
• Keep at least one credit card for emergencies. Make sure it’s a credit card that has low interest rates and no annual fee.
• Credit card rewards can be a great thing. Beware of cards that typically have a higher interest rate than regular credit cards. Credit card companies love to lure you in with great rewards, but then they charge higher interest rates. These cards are great, however, if you pay off your balance in full each month. I earn 1% on all credit transactions on my Discover card and my Chase card. Because of this, I put all expenses, including my mortgage, utilities and other expenses, on these cards. At the end of the month, I pay them in full and reap the rewards, hundreds of dollars each year.
• Once you’ve established your good credit with a credit card company, call them and ask for a better rate. You might be surprised to hear the results. Asking for cheaper rates often results in massive savings.

• If possible, never carry a balance on a credit card. Instead, pay off the entire balance each month. By doing this, you will incur no interest charges.

• Ask for the retention department if you’re having problems with a credit card company. This department is often much, much more accommodating and helpful, because their job is to retain your business.

• If at all possible, never get a cash advance on a credit card. Cash advances almost always come with fees and high interest rates, usually higher than for purchases. What’s worse than that is the fact that many credit cards won’t apply payments to this higher-yielding portion of your account until you’ve eliminated all of the lower-yielding portion of your debt.

• Don’t miss payments. If you do, you will be assessed significant fees, and your credit rating may take a hit. If this happens, everybody will start charging more interest for any credit you need.