| Check your mailbox on any given day and you are | | | | the gas station. |
| likely to find one, two, three or more offers to get a | | | | Low APR: Does it Matter - Granted, if you pay off |
| credit card. Most offers on the surface look pretty | | | | your credit card every month then the APR you are |
| good, but you'll have to do some digging before you | | | | being charged simply will not matter. 0% or 30%, you |
| find one that is a real hit. Are you considering opening | | | | still avoid fees that can sock the average person. |
| up a new credit card account? If so, let's take a look | | | | Balance Transfer Option - What decent card doesn't |
| at what makes a worthwhile offer for card seekers | | | | give a balance transfer option to card holders? Better |
| everywhere. | | | | yet, will that card allow you to transfer funds without |
| No Annual Fee - It simply amazes me that anyone | | | | paying a transfer fee? No card is worth getting if you |
| would still pay an annual fee to use a credit card. Oh, | | | | are assessed a transfer fee even if the APR is fixed |
| sure, that pretty jet black or platinum card certainly | | | | for a certain amount of time. |
| looks exclusive but is it worth your while to pay $30 or | | | | Other Amenities - Travel insurance and roadside |
| more per year for the privilege of using a particular | | | | assistance are valuable options if offered for free. On |
| card? I doubt it! | | | | the other hand, credit monitoring services and credit |
| No Rewards - You must be kidding me...no rewards | | | | card insurance are not worth your trouble and you |
| offered? With credit card competition at a fevered | | | | probably will find that fees will be assessed to you |
| pitch, it only makes sense that you be rewarded for | | | | account if you were to sign up. Simply stay away |
| the troubles of using a card. Most cards will assign you | | | | from cards promising nifty amenities that cost you |
| one point for every dollar spent and those points can | | | | plenty in the end. |
| be redeemed later on for gift cards, movie tickets, | | | | So, check out the fine print and apply for those cards |
| hotel stays, airline miles, you name it. Better are those | | | | meeting your litmus test. If they fail to give you |
| cards that give extra points for select purchases such | | | | something better than the average card then simply |
| as visits to the drug store, for groceries, or for trips to | | | | shred the offer and move on to the next one. |