Choosing a Credit Card
No doubt you have received numerous solicitations for credit cards in the mail, maybe some of them even ‘pre-approved’. What does all this mean and how do I choose the right credit card?
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Credit Card ‘surfing’
Do you carry a balance on your credit card? Do you receive continued solicitations for new credit cards in the mail? This is where credit card surfing can come into play. Using a credit card is an easy and simple way to buy things, but things start getting expensive, if you continue to carry a balance on your credit card.
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Credit cards for people with a Bad Debt History
Since credit cards in effect are unsecured personal loans, in general credit card companies are careful to whom they send applications. You will notice that when you were a student you didn’t get any credit card applications in the mail, but as soon as you started earning an income, you were inundated with credit card applications.
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