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What things should I consider when selecting a credit card?
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Article Information
Article Information
KBID
557
Date Created:
10/1/2004
Date Modified:
1/27/2021
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Terms of Use
Consider and compare all terms, including the following, before you select a card:
Annual Percentage Rate (APR) -
the cost of credit as a yearly rate.
Free or Grace Period -
allows you to avoid any finance charge by paying your balance in full before the due date. If there is no free period, you will pay a finance charge from the date of the transaction, even if you pay your entire balance when you receive your bill.
Fees and Charges -
most issuers charge an annual fee; some also might charge a fee for a cash advance or if you fail to make a payment on time or go over your credit limit.
Credit Card Insurance
- is unnecessary because it duplicates protections you already have under law in case your credit card is lost or stolen.
If you pay bills in full each month,
the size of the annual fee or other fees will be more important.
If you carry a balance,
the APR and the method used to figure your balance are key.
Get all terms and fees in writing,
including whether a deposit is required.
Apply directly to the card issuer.
Don't give money to a company that offers to get you a credit card for a fee. You may not get a card or your money back.
Beware of "credit cards" that only allow you to buy from their own catalogs.
Avoid companies that promise instant credit
or guarantee you a credit card "even if you have a bad credit history." No one can guarantee you credit in advance.
Be cautious of offers for secured credit cards.
These cards usually require you to set aside money in a separate bank account in an amount equal to the line of credit on the card to guarantee that you will pay the credit card debt. Some of these offers advertise that secured cards can be used to repair a bad credit record, but no matter how well you handle this account, your payment history on your past debts still will be taken into consideration when you apply for credit, employment or housing.
Related Content
The credit card you pick can save you money
When should I use a credit versus a debit card?
Should I close my credit card if I'm not using it?
Should I pay off my credit card debt or save the money in my account?
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All information provided through this site is intended to be accurate. However, there may be inaccuracies at times, which we will make every attempt to correct when found. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.
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What things should I consider when selecting a credit card?
https://www.fuzeqna.com/lafinancial/ext/kbdetail.aspx?kbid=557
Email
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Forgot Your Password?
Forgot Your Password?
Email
Email:
Security Question:
Security Answer:
Favorite Color:
WARNING:
If your Security Question and Favorite Color do not match what you entered at registration in LA Financial
DO NOT CONTINUE
and contact us immediately.
Email
Confirm Email
Password
Password not entered
Retype Password
First Name
Last Name
Birthdate
(mm/dd/yyyy)
Company
WARNING:
Password Security Question
Name of High School graduated from
Last name of favorite teacher
Son's middle name
Daughter's middle name
Pet's name
Square footage of home
First girlfriend's/boyfriend's name
What city were you born in?
On what street did you grow up?
What is your mother's maiden name?
What was your high school mascot?
Password Security Answer
Favorite Color
Terms of Use
I agree to the terms of use.
LA Financial Credit Union and Havasu Community Credit Union value your privacy and will protect your information. We will not sell or share your information with anyone outside of LA Financial Credit Union and Havasu Community Credit Union. In addition, when setting up your profile, you will be given the option to opt-in to receiving any promotional information from us via email. We thank you for taking the time to register with us.
Your inquiry is being encrypted to protect your privacy.