What you need to know when looking for a credit card

What you need to know when looking for a credit card

If you have a bank account or make transactions, you must have been receiving several credit card offers. Most often, these offers could come in the form of emails to you every day, and it is likely for you to feel tempted to sign up for most of these offers you get....

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Backpacking Cookware Options

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How I Became a Mormon – Part 7

I spent a year in Flagstaff, Arizona at the Northern Arizona University. If I met a Mormon there, I didn’t know it. I did do a bunch of drinking there. It helped me deal with the loneliness of being so far away from home. I would have been better off going to church, but my church-going days were still a decade-plus away. I got calls from my friend Ted in Yuma now and then, and when I finally fessed up that I would not be joining him to coach and teach at his high school, he was saddened by that news.

In addition to alcohol consumption and other word of wisdom violations, I also studied in earnest, so much so that I graduated with a 4.0 GPA with an MA in English from NAU. Post graduation, I applied to a host of teaching jobs, mostly in Arizona, California, Oregon, Washington, and Hawaii. As it turned out, being fresh out of grad school with no teaching experience, I received lots of rejection notices. To my relief, I did receive one job offer-from Leeward Community College back on my home island of Oahu in Hawaii, so I packed my stuff and headed home to Hawaii.

I began working at LCC as an adjunct writing teacher. After I taught a year there, a full-time tenure-track job opening was advertised. I applied and got the position. Over time, I completed my probationary period and earned tenure, which basically meant I had a job for life if I wanted it.

In 1993, I also met the woman who was eventually to become my wife. Her name was Jacqueline and she had four children from two previous marriages.. No, she wasn’t a Mormon, but unbeknownst to be, she and her children were investigating the LDS church, even attending a local LDS ward now and then. I learned this when I stumbled upon a site as I was reviewing some  Canadian web hosting reviews.

During this time, Mormon missionaries began showing up at the front door of my home in Kaneohe. If I was outside washing my car or doing yardwork and I saw them in time, I would beat a quick retreat into my house to avoid them. And for the times when they caught me by surprise, I would typically give them the “Thanks, I’m not interested line.”

At the time, I wanted no part of what they wanted to teach me, but the thing that made an impression in my mind was that they were always cordial and they always came back. Mormons are very persistent, I came to understand. What I also came to understand is that their efforts, along with all the efforts of all the church members I had encountered in my life, had planted seeds in my soul.

What you need to know when looking for a credit card

If you have a bank account or make transactions, you must have been receiving several credit card offers. Most often, these offers could come in the form of emails to you every day, and it is likely for you to feel tempted to sign up for most of these offers you get. Several conditions must be considered before you request for the credit card forms. It is crucial for you to have a thorough understanding of the financial requirements of having a credit card; this post will give you valuable tips you need to consider before acquiring credit cards.

These tips are as follows:

KNOW WHY YOU ARE ACQUIRING A CREDIT CARD

Credit cards should be applied for when they are required by you to build credit. It is your responsibility to monitor your spending on the card and ensure the remaining balance is paid at the end of each month. Doing this will require you sticking to a budget to avoid trouble with your credit card company. However, if you want to apply for a card with the aim of using it to buy any item that comes your way; you may have to rethink your decision. Owning a credit card requires discipline as it will help you from paying more in the long run.

INTEREST RATE

Most credit card companies are experts in luring unsuspecting persons with zero percent interest rate. The reason for that action is not far-fetched as these cards will entice you to build a balance that cannot be sorted out during the promotion time. In most cases, the interest rate could increase to 20% after the promotional period is concluded. It is advisable to acquire a credit card with interest rate, not more than 15%. Selecting a card with a lower interest rate is important. However, if you also want to be considered for lower rates, you must have a higher credit score.

Having a higher credit score can be achieved by making prompt payments. If you’re looking at getting smaller loans these can easily add up if you forget to pay them in time.

SEARCH FOR A CARD WITH NO ANNUAL FEE

Various credit cards that do not require annual fees are also available; you need to search for the right ones for you. However, several cards provide you with other bonuses like cash back but charge an annual fee while there are cards that offer rewards without compelling you to pay a yearly fee. Buffert wrote a great article on which cards are best suited (including costs and perks): Jämför och hitta det bästa kreditkortet 2018.

You are required to search for the card that allows you enjoy perks such as cash back rewards and do not charge you an annual fee. You can contact your bank or credit union for such card or use the internet to search for it and apply for the card once you find the suitable card.

CHECK THE REWARDS OFFERED BY THE CARD

You may have to check another critical aspect of the credit card you are applying for; if your credit card company allow you to pay for the total balance at the end of each month, there is a need for you to check the rewards offered each time your credit card is utilized for transactions. Most often, prizes such as cash back cards are the real deals as these cards give you a specific percentage of your spending. You need to take your time to go through the feedback of various rewards programs and choose the best option.

PENALTIES

It is advisable to have a thorough understanding of the fees and punishments attached to your card. You must know the type of penalty that will be meted out to you when you make a late payment on your card. You need to be sure of the amount and the percentage that you will be charged when you make a late payment. Some banks can increase your interest rates when you default in one payment. Ensure you take your time to study the penalties attached to your card to prevent you from being charged an overbalance fee and increased interest rates.

In some cases, banks could increase the interest rates to thirty percent, and I am sure you will like to avoid such scenario. If you notice a card has strict penalties, the best thing is to find another card with a soft stance on the punishments.

CREDIT CARDS

There is a temptation to own more than one credit card, but you must be disciplined and make a firm decision regarding your credit status. It is advisable not to have more than two credit cards at a time as this will prevent you from coping with debt. In most cases, having a single credit card which permits you to make a total payment of debts every month is a great idea. ANNUAL PERCENTAGE RATE

The annual percentage rate is the expense of borrowing the card if you are unable to make a payment for the entire balance every month. You need to make a comparison of the annual percentage rate of various credit cards before choosing to pick the card that aligns with your needs. You may also need to check for incentives and charges of these different cards.

MINIMUM REPAYMENT

Your card issuer will compel you to pay a minimum amount if you cannot pay off the balance every month. You need to select a card issuer that does not charge a high percentage in this case.

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