Use our calculator to the left to find the perfect credit card product for you. One of the best credit references you can have on your credit report is good payment history on a bankcard. Having a credit card, in good standing, is one of the best ways to establish good credit or reestablish a troubled credit history. Despite the costs associated with using a credit card, there are many reasons to have one. If you do use your credit card for identification purposes, never allow your card number to be written on your check.
Credit cards make purchase by mail or online safer, easier and quicker.
Credit cards allow you to make purchases online, on the town or on vacation, minimizing your need to carry cash. Many hotels and rental car agencies require a credit card to rent a car or room. In addition to interest and annual fees you may also be subject to cash-advance fees, transaction fees or penalty fees such as late and over the limit fees. Such fees can add up fast if you have several cards. It's likely you pay a higher interest rate for using them.