Credit Card Rewards
Most people receive many credit card offers on a regular basis. They come in the mail, they are in emails many times too and sometimes they are even solicited by phone as well. With so many offers coming in it can be difficult to determine which offers to accept and which to look over. There can be a lot of misinformation in the offers or ways that the offer is phrased to make it look better than it really is. Not to mention the fact too that when you are looking for a credit offer to choose, you can search online, but even there are many different companies and offers to choose from. The most common offers now are credit card rewards that companies send out. These are rewards that they offer you for signing up to have one of their cards. However, you need to look at the fine print in these offers closely, since many times they are not always what they seem. When choosing credit card rewards, keep a few things in mind, which are: Read the terms carefully to see if there are any additional fees when you sign up. Many times a company will show a low beginning rate for signing up, but there turns out to be monthly or yearly fees to have the card. These fees can put you over your limit many times, as well as the rewards you are receiving may not be very good too. Look to see what the interest rate is and now long it lasts. Many card companies will advertise a low interest rate, but if you look closely you will see that the interest rate may only last for a few months and than it goes up to a much higher rate. These low rates may also only be good when transferring balances to the card and do not apply to new purchases that are made or even vice versa too. Some of the best credit card rewards are the type that give you cash back to use any way you want to. This can mean receiving a check back from them, applying it to other purchase or even applying it to the credit card balance. However, many times the percentage you receive when you use the card can be very low. Check to see that you are getting at least 5% cash back or something similar. Anything less will take a very long time to accumulate to an amount that could actually be used. Check the rewards carefully too to make sure that you are not limited to only using them with the card company. In the fine print many times it will state that the rewards can only be used for their gift selection or with the companies they offer. This can be very worthless, since you do not have many options, as well as the fact too that the selection of items may not be all that great for you to choose from. Going over the rewards that you are being offered carefully before signing up will save you time and money in the end. You do not want to get stuck with a card that you do not like and than have to close it. Closing lines of credit will actually lower your credit report for awhile, when there are lines being opened and than closed. Not to mention too that there will be hits on your credit report, which will also lower your credit score too. So, check the credit card rewards very closely before applying for any of them to ensure that you get the one that you really want and need.
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