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Cheap Credit Cards

May 6, 2008
Every day we are literally bombarded with credit card offers, telling us that there particular offer is the best. It can prove to be rather annoying when most of us are totally aware of the fact that many of these so called cheap credit cards are nothing but cheap scams and aren't worth the time considering. The best way to find a good credit card is to compile a list of all the best offers out there and choose from these, the best of the best, or so they say.

Before you're able to determine which credit card is best for you, you must first identify which credit card offer you're looking for. So make a list of your requirements, and then you can begin to compile information on various different credit card vendors. The best place to source this information is online. This can be done simply by searching for 'Credit card offers reviews' which will give you other people's opinions about the actual offers available. Another even simpler method is to check out the offers from recommended reputable credit card companies.

Once you've made a compilation of offers, it is now time for you to go through them, comparing them to your written requirements. If you haven't included interest rates and credit card fees in your requirement list, you should add these to your comparison criterion. You should know that many credit cards come attached with so called 'hidden charges' or charges in 'small print'. An example of such a charge would be a one-time enrolment fee for new cardholders. As a result, you should read the terms in there entirety, along with the 'small print' part.

Numerous credit card companies out there are also charging a monthly and/or yearly cardholder fee. We also have transaction fees, which is a fee you may have to pay each time you use the credit card. These fees tend to vary from company to company when compared, it is very important that you take all costs into account so that you can find the deal with the lowest total cost.

There are however, some credit cards without fees. These are essentially the best credit cards. Although they are hard to find, you can stumble upon some, but you will need to read the application text very carefully. You can also take it upon yourself to ask questions to the credit card company you investigate about all the different kinds of fees that they have before you make the decision of which credit card you want to go with. Getting a cheap credit card is all about doing good preparatory legwork.

Interest rates are also an important fact for the total costs of the credit card and thus should be studied and compared with care. You should seek out the cards with the lowest possible rate, all other factors equal. I have seen credit card companies that charge as much as 20% interest rates, that is simply too much. The best cards have interest rates lower than 15%. You should keep an eye on the long term interest rate, rather than the introductory offer like lower or no interest rates for the first few months.

Some of the best credit card companies will charge you low interest or no interest on purchases paid off in less than a set amount of days, in most cases its 30 days. A lot of people out there are more concerned with the spending limit rather than the amount it cost to have the card. For those with limited funds, the best credit card is the one with the lowest total cost. If you are among them look for the hidden fees and interest rates, these determine the overall cost of your credit card.
About the Author
Uchenna Ani-Okoye is an internet marketing advisor and co founder of Free Affiliate Programs For more information and resource links on cheap credit cards visit: Cheap Credit Cards
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