By MIKE SELVON
 Consumers with reasonably good credit may receive several credit card offers in the mail each month. Companies may offer such things as a 0% introductory rate or low rates for balance transfers. While such offers may be tempting, it is wise to read the fine print on any offers you receive before applying for a card. You also need to evaluate your financial needs as well as your own debt management skills before choosing among the proliferation of cards being offered.
The first thing most consumers look at in credit cards is the annual percentage rate, or APR. While this is an important factor, it is not the only thing to consider when evaluating offers. You also need to look at things like finance charges, over-limit fees and late charges. These things can add up to a higher than expected bill.
If you plan to pay off your balance every month, then you should also look at the grace period. This is the period of time you have to pay off your balance before the company starts charging interest. In recent years, |
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By Ben Needles
 Are you wondering whether or not you should apply for a credit card? For almost everyone, the answer is yes. Credit cards are almost a requirement nowadays and one could certainly look at credit cards as having completely changed the way business and commerce are done. There are ads everywhere you turn urging you to go ahead and apply for a credit card. In fact, almost everyone has at least one these days. Everybody, at least it seems everybody, applies for credit cards. So what about you? Why should you take the plunge and apply for one?
Credit cards offer a lot of benefits for cardholders. Foremost among them is convenience, which is the main reason for many to apply for one. It seems not so long ago that very few businesses accepted credit cards, preferring personal checks and cash - all that has changed, however, with most merchants accepting credit cards as a form of payment. This means instead of taking the risk of carrying around a lot of cash, you can simply carry this one small card. Credit cards offer you what |
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