Comparing Credit Cards
Even some financial advisers suggest you to avoid credit cards, but I think having a credit card is fine as long as it’s used wisely. To use your credit card wisely, you should avoid use it spontaneous, try to plan when, where and what your credit card use for. By this, you can control your credit card usage and finally can avoid unnecessary and consumptive expenditure. I have two credit cards, one for Citibank and the other from ANZ, usually i use it to pay my bills, such as phone bill, internet connection, water and electrics monthly bills. It’s an effective way where all bills are automatically go to my credit card bills. Some points to consider if you want to apply a credit card are:
- Income, be sure that you have steady income.
- Temptation, using credit irresponsible can cause serious financial problems, it requires a lot of self discipline.
- Motive, what’s your motive? Is it to build a good credit record, the convenience of credit, or to be able to purchase items when you are run out of money?
If you think that you are qualify enough to have a credit card then i suggest you to choose it carefully because some marketing words can give you to wrong direction, i find a website which maybe can help you to choosing which credit cards that suits with your purpose, visit comparecards.com to find out each credit card benefits, you can see at the left column, there are many credit card categories, such as low interest credit card and business credit card it’s lot easier to comparing credit card in that way.
