credit cards are now available from a huge variety of places. You used to only really be able to get them from the high street bank, now every bank, cooperative, and even supermarkets are offering their versions of the product. From airlines like British airways and Ryanair to electrical goods companies like Sony there is a credit card for everyone. Lately even some investment banks are looking at opening retail operations following the recession and the first place to start is always putting together an attractive and competitive credit card package.
The consumer looking to get a credit card is overwhelmed with so much choice and it is no longer the case that some banks cater for the affluent and others the not so affluent as every company has now split up their offering to cater for customers at all levels of personal wealth.
The first place to start might be to look at or exclude the specialist credit cards. These are aimed at students and people with bad credit or those who travel frequently. If you are not one of these, then it is wise to look at your lifestyle and spending habits when determining which card to go for. Some are aimed at people who love to shop and if you spend a certain amount per month will offer money off rewards or cash back on purchases. In addition, you may only use credit cards as a source of borrowing to finance holidays or big family events. In these circumstances you may not want money off in the mall but prefer a card that offers a longer interest free period on signing up.
Every potential customer should look at the charges and fees associated with the card. For example, if you are not organised enough to pay the balance on time, it may make sense to go with a card with low late payment fees to maximise the benefit you get from it.
An interesting phenomenon that has come about on account of the extended introductory no interest periods is that customers are making the most of this by getting a credit card for six months or three months or whatever the no interest period, maxing it out and then switching the balance to another card with a no interest period, thus paying no interest for years or as long as they can find fresh deals to attract consumers.
Mark Maffia
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