Ask questions about anything you are unsure of before you sign. Shopping for a Credit Card Just like other loan rates and terms, credit card rates and features vary. Determining which card is right for you depends on your lifestyle and values and on how you plan to use your credit card. It may be helpful to classify yourself as one of these three types of credit card holders. This credit card holder generally uses the card for identification in cashing checks, making hotel reservations and renting cars.
More important considerations are the universal acceptance of the card and the annual fee charged.
An increasing number of companies charge no fees. This person pays off the balance in full when due. This user, like the identification user, doesn't consider the annual percentage rate the most important characteristic. The limit on the credit amount may also be of importance if the card will be used for vacation or business travel. Other fees charged, such as transaction charges, late charges and the annual fee are also of importance.