Annual Percentage Rate? How to choose a best credit card!

Annual Percentage Rate? How to choose a best credit card!

finance money order thumb1 Annual Percentage Rate? How to choose a best credit card!

How to choose a best credit card?

Credit cards have become a part of life for most people living in the western countries. It’s becoming increasingly impossible to avoid them, especially for business men. So if it is the first time you are seeking to enter into the world of plastic money, here are some of the basic things you should look out for.

First, compare the interest chargeable for all the Credit cards for which you are eligible. While the rate may not remain fixed indefinitely, it’s always advisable for first timers to go for the one charging lower rates.

Read the fine print, especially on the other charges that may be charged on you, like late-payment fees, annual fees, and whether there is a grace period which is normally given before the finance charges kick in.

Decide what limit is appropriate for a person of your income. Also the fewer Credit cards you have, the better placed you are to track your spending.

Compare the services and other features such as the cash back incentives, or warranties, rebates and the like.

Check whether the card is widely accepted to enable you to pay for your needs.

You will do yourself a favor by familiarizing yourself with the following terms.

Annual Percentage Rate. This is the measure of the yearly cost of credit.

Finance Charges. These are the total charges involving the transaction. This is the period the issuer gives you before he starts charging you interest on new purchases. Note that not all Credit cards have a grace period.

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20 Responses to “Annual Percentage Rate? How to choose a best credit card!”
  1. Twitter says:

    Smokey Robinson & The Miracles – You Really Got A Hold On Me (Shindig 1964) (by nyrainbow5) I don’t like you, but I love you Seems that I’m always thinkin’ of you You treat me badly, I love you madly You’ve really got a hold on me Baby, I don’t want you, but I need you Don’t wanna kiss you, but I need to You do me wrong now, my love is strong now… –

  2. Falmung says:

    - That's the harsh truth & reality. The Arts r seen as second rate. But slowly the tide is turnin. Painfully slow though

  3. MEGASKYEYE says:

    the kid had me smiling- wish i was there :(

  4. Anika says:

    TEGUCIGALPA, Honduras — Honduras’ ousted president has participated in a meeting with national political figures headed by the man who replaced him to discuss reforms that may be needed in the Central American nation.
    Saturday’s session is ex-President Manuel Zelaya’s first meeting with national political leaders since his return from exile in May.
    Zelaya repeated calls for an assembly to be convened to rewrite Honduras’ constitution. Similar efforts to change the constitution led to his ouster by a coup two years ago.

    read more

  5. Beijing says:

    Mark IV, when you follow the link, look at the second heading: “Financial Reports.” Under that heading, you can click to download the following files (text cut and pasted from the NAACP site): “2006 Annual Financial Report | 2006 Annual Financial Report (PDF) | 2005 Annual Financial Report | 2005 Annual Financial Report (PDF) | Bookkeeping Guide.”

    I dislike your implication that I was expressing a lack of admiration for donors to any charity or devaluing their sacrifices. I was not. It is not disresepectful to anyone to point out that the LDS church does not currently make its financial reports available. It is simply a fact. That's all I have to say on the subject.

  6. AuraDaMovm3nt says:

    Love Always.

  7. guerreirox3 says:

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  8. OhHeyyJordan says:

    This look is absolutely stunning on you.

  9. ThatScrubKid says:

    2nd degree

  10. J_Kareh says:

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  11. GMC13G says:

    Well there's nothing wrong with this game lol. It has a decent physics engine, the graphics are also nice, and it has a great storyline. I have also played the games you said but Vice City isn't exactly best known for its physics. Same for San Andreas even though I play San Andreas Multiplayer a lot. So… yeah. There's nothing at all wrong with this game, so I don't get why you'd have to say “ugly fk 3rd person games !!” when you play them to begin with. :3

  12. Twitter says:

    *DJ PLOSSER : LOW-RATE STATEMENT AN ATTEMPT TO EASE POLICY MORE

  13. says:

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  14. paulvipond says:

    are yu gon read yo speech from note cards or paper?”both .

  15. S0uthernBeautii says:

    RT I always thought we were the kind of love that everybody wanted. Inside jokes, messages back & forth if I only did what he said.

  16. Twitter says:

    If you think you may have been mis-sold PPI, use a PPI calculator to get an estimate of the amount of money you might be owed. What is PPI? The acronym ‘PPI’ stands for ‘Payment Protection Insurance’. It’s intended to cover monthly repayments on credit cards or loans for a year, in the event of sickness, unemployment or accidents which can jeopardise these repayments. Although this sounds like a smart strategy in theory, it’s become clear that since PPI policies became popular that many of them have been mis-sold by banks, loan and credit card companies. The banking industry pursued a legal case to fight the allegations of mis-selling, but was ultimately forced to drop this

  17. AlysonEllner143 says:

    RT My credit card company says I have an outstanding balance. I’m flattered.

  18. Twitter says:

    QA Engineer – Telecoms – Newbury – Up to £35K My client is on the lookout for an associate QA Engineer to work for their rapidly growing organisation. Over the past 10 years by client has grown rapidly to become one the of world’s leading providers ….

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