contact us  |  about gcc  |  blog  |  site map
:: Featured Credit Card
Blue Cash® for Business Credit Card
Earn up to 5% cash back
0.0% APR
No Annual Fee
 
3 Simple Steps - Search, Compare, Apply

Fill out a secure online application now!
 
:: Home
:: Benefits of credit cards
:: Credit cards that work for you
:: Debit cards vs. credit cards
:: How to use credit cards wisely
:: Make money using credit cards
:: Risks of credit
:: Credit cards can save you money
:: Student Advantages

Not sure which offers are right for you?
Find the best credit card for your financial needs

Every day credit card companies blitz the post office with credit card offers. Most of us receive plenty in our mailboxes! Unfortunately, credit card companies don’t research what offers are best for you. They only know what offers are right for them!

Good Credit Cents has created some guidelines to help you assess your financial needs and habits, empowering you to determine good credit card offers for your lifestyle.

Assess your financial needs
Oftentimes, individuals live day-to-day without giving sufficient thought to their spending decisions. Take some time now to review your financial goals. Here are some questions to get started:
  • Do you need to erase sizable debt? Debt can be overwhelming. But credit cards can help you out from under the burden. Good Credit Cents suggests finding an introductory 0% APR credit card without a balance transfer fee. Transfer large balances to this card and only use this card to pay off your debt. If you are unable to pay off your balance before the 0% rate expires, simply apply online for a new credit card and continue transferring your balance until the card is paid off.

  • Do you want to stop paying high interest? Applying for a 0% APR credit card is also helpful if you’re paying unnecessary interest. Just make sure you can find another low interest rate card at the end of the year long term or pay off your balance. Remember to pay on time and never miss a payment or your interest rate will skyrocket.

  • Are you planning to make a large purchase? Credit cards offer spending power if you need to make a large purchase but can’t pay in full up front. Make sure you’re not just spending beyond your means and use our Credit Card Search Form to find 0% APR credit cards or low fixed APR rates.


:: TIP - “With credit cards, understand the escalation clauses that will increase the interest rate–a late payment or a large balance, for example. This can bump you up to 20% from the introductory rate.”
– Ed Powell, Chief Consumer Officer at LendingTree.com as seen in “Living Debt Free,” Forbes.com



Evaluate how you use credit cards
In addition to reviewing your financial needs, you should also review your spending habits. For example:

Do you pay your credit card bill in full?
If you are able, always pay off your entire bill. Then you don’t have to worry about the interest rate on your credit cards. To maximize savings, you will also want a credit card with: Do you carry a credit card balance?
If you are unable to pay your bill in full every billing cycle, apply for a credit card with the lowest APR. Rewards and cash back aren’t as beneficial if you lose what you earn to interest charges. Low interest credit cards require a good credit history and usually have an annual fee. Annual fees aren’t good but can be worth the cost if you save that much in interest per year.

Do you ever miss payments?
You should always pay your credit card on time. But if you pay late every so often, you need a credit card that doesn’t charge high late fees. You also need to be careful your interest rate doesn’t increase too much. Be honest with yourself and apply online for credit cards that suit your financial habits.

Apply online for the best credit card for you
After you assess your financial goals and spending habits, research which good credit card offers are available, choose one that works for you and start recognizing the value of using credit cards wisely.

Use our Credit Card Categories link to the left to view a variety of good credit card offers today!
benefits of credit cards, credit cards that work for you, debit card versus credit cards, how to use credit cards wisely, make money using credit cards, risks of credit, credit cards can save you money, student advantages, search for and compare credit cards, good credit offers, benefits of credit cards for students, understand the differences between credit and debit, raise your credit score, 0% apr credit card, apply online for a new credit card, find a low interest rate card, credit card search form, low fixed apr rates, how to use credit cards, credit card rewards, no annual fee, low interest credit cards,

© 2007 Good Credit Cents. All rights reserved. Website Design by Visual i Design  |  Privacy Policy