It's easy to assume too much or read too little when sorting through card solicitations. There are differences and potential dangers, depending on how you plan to use your card. Check out . . Method of interest calculation. This is extremely important for consumers who routinely carry a balance on their credit cards.
Some cards have much costlier calculation methods.
Having too many credit cards. Too many cards make overspending too tempting and too easy. Most experts agree that two or three general-purpose cards should be enough for the average family. Consider one card with no or a low annual fee and higher interest rate for the balance you pay in full each month. The high interest rate will be irrelevant if you pay the balance in full.