Welcome to CreditCards.net, the best resource for consumers to find accurate and unbiased information on all types of credit cards currently being offered. Our team carefully reviews all of the current card offers that all major credit card issuers and financial institutions have brought to market. Our goal is to provide you with great information presented in an informative and hopefully somewhat entertaining manner.
We recognize that you have a lot of different choices when it comes to not only what card might be right for you, but what service you trust to help you make an informed decision.
Some credit cards offer benefits to consumers that make a little sense, and other credit cards offer benefits that every consumer can agree with. When you are looking for the card that offers you benefits and services that match your personal situation, then you need to take a long look at the Citi® Platinum Select® MasterCard®. This is a card that makes balancing your finances easy and rewards you for your good credit habits.
Right off the bat, the Citi® Platinum Select® MasterCard® shows why so many consumers continue to prefer it to other cards. This card does not charge an annual fee and it allows you to make 18 months worth of balance transfers and purchase at zero percent interest. That means that you can combine all of your other credit card balances together under this card and then pay your debt off with zero percent interest.
In order to be the right card for you, a credit card needs to offer services that make sense. This card allows you to extend the manufacturer's warranties on qualifying products by up to one extra year without costing you anything. It is the kind of support you need if you buy a lot of consumer electronics or home appliances.
The Citi® Platinum Select® MasterCard® also looks out for your financial safety by generating random account numbers that you can use to shop safely online. It is a service that is referred to as "virtual account numbers," and it is your best way to prevent identity theft when shopping online.
Another way that the card protects you is by offering you the ability to get a refund on retail purchases of up to $1,000 if the item breaks and the retailer refuses to take the item back. As long as you are making your claim within 90-days of the date of purchase and it is a qualifying product, then you are completely covered.
There are a lot of credit cards that say they offer the kinds of services that consumers want and need, but the Citi® Platinum Select® MasterCard® backs that up by offering real benefits and protection that consumers appreciate.
Today there are hundreds of credit cards available that the consumer can choose from and determining which card is the best for the consumer takes thought and research. The best credit cards are the ones that suit an individual’s needs the most. Therefore, the consumer must come up with a list of benefits that he or she wishes to receive from a credit card.
Easy Acceptance
A person with a challenged or non-existent credit rating will want to search for a credit card with easy acceptance. Consumers often refer to these cards as “bad credit cards”. These types of cards received this name because the lenders set very low criteria to obtain an approval. A person with a score that is below 500 can sometimes qualify for a “bad credit card.”
No Credit
A student who does not have much experience with credit may be successful if he or she applies for a student credit card or a limited history credit card. Again, these cards are easier to obtain because the lender sets a lower threshold for approval. Additionally, the lender will not look at the applicant’s lack of credit history negatively. Students can obtain credit cards very easily. They can greatly enhance their credit scores by applying for such a card.
No Annual Fee
Consumers who are struggling with a limited income may want to search for cards with no annual fees. Many credit cards have annual fees attached, which leaves a payment for the consumer even if he or she does not use the card. Since annual fees can cause a hardship, a consumer might look at a no-annual-fee card as the best, credit card.
An online credit card comparison tool is the best way for a consumer to find the best card for him or her. Online comparison tools are available on various websites and they are very easy to navigate.
When it comes to choosing a credit card, there are a number of options that you have to pick from. For some customers, getting a card with a low intro APR (annual percentage rate) is critical. By getting this type of card, you could potentially pay down some of your debts and save money on interest at the same time.
How it Works
A low intro APR credit card is one that comes with a low interest rate for a certain amount of time. For example, you may get a low interest rate for a period of 12-months after you open your account. Then, after the introductory interest rate has expired, the interest rate jumps up to a higher, usually fixed percentage, which should be revealed when you sign up for the card.
Balance Transfers
These cards are very attractive to individuals who need to transfer a balance from another credit card account. With this type of credit card, you can transfer debt from a credit card that has a high interest rate. Then you have until the introductory rate period is up to pay down the debt. In some cases, you can actually get a card that has a zero percent interest rate during the introductory period. During this phase, you will not have to pay a dime of interest on the debt. If you have a significant amount of credit card debt, this can be a good way to pay down your debt relatively quickly.
Considerations
While choosing a credit card with a low intro APR is attractive and can be advantageous, you need to make sure that you understand where the rate goes afterward. If the rate jumps up to a very high interest rate after the intro period, it can affect you negatively. You should instead try to find a card that has a low intro APR and a reasonable ongoing APR.
