The Best Credit Card List: How to Choose the Right Credit Card
A credit card has become a payment tool for financial and shopping transactions. It is almost and even moving the use of cash. It is because many people love practicality. Easiness and security of credit cards become a reason to select them. Do you have a credit card? If you get confused about selecting the right credit card, it is great to concern the ways of selecting it and find the credit card list to give more information details.
- Considering the Applied Cost
One of the essential factors in selecting the right credit card is applied costs like monthly dues, interest, administration cost, and many more.
Low-Interest Rates Credit Card
A credit card with higher interest rates is usually suitable for the people who select to use a credit card to be a substitute for cash for shopping. Though you have high interest rates, this credit card usually offers extra points such as free of annual cost, cashback, discount, and point reward when you have transactions.
If you require a credit card for monthly shopping and pay some monthly bills such as telephone and water, it is a suitable credit card. Nevertheless, you must ensure that the bank and credit card publisher calculate the transactions after the due date of bill payment, not the transaction date. If the interest is calculated at the early transaction date, you must still pay interest though you pay the bill off every month.
Low-Interest Rates Credit Card
A credit card with a low interest rate is suitable for those people paying a bill pay in instalments or pay a minimum number. Though it applies annual dues, it doesn’t give more discounts or cashback. If you have an income source to fill annual payments, low interest will become the main determiner factor in selecting this credit card.
- Concerning the Offered Discounts
One of the considered factors in selecting the right credit card is the offers of discounts and prices. For the people loving to shop, you must find a credit card giving more discounts. It becomes a collaborating result of the bank publisher of the credit card with some merchants. You can check the merchant list collaborating with the credit card publishers. It is the right way to find a credit card list for your needs.
- Checking the Customers Service
Customer service is one of the considered factors in selecting a credit card. To be a user of a credit card, you surely want to get the best and complete service from the bank publisher. Those are transaction services and 24 hours complaints with the friendly staff. If you need to contact a bank publisher of a credit card to ask for everything, it is essential to ensure that the customer service of the bank publisher applies to the needs.
- Knowing the Network Link
A credit card with a broad network is suitable for people often travelling abroad. If you belong to this category, it is better to select a credit card with a broad network. It means that this credit card is applicable in foreign countries especially the countries that you visit. The use of a credit card overseas will ease you in transactions, practical, and you can enjoy your comfortable trip.
- Making Sure the Security Level
Before you select the credit card list, it is good to concern the security level. It is helping you to have a good transaction when you have a credit card. It keeps the security of credit card owners. You should select a credit card publisher giving more security levels to the customers. The function is to minimize the possibilities of credit card misuse. Furthermore, credit card publishers also offer insurance to credit cardholders.
- Considering the Credibility of Bank Publisher
One of the other considerations in selecting a credit card is the background of the bank publisher of a credit card. If the bank has credibility and a good reputation, you will feel secure and comfortable. Meanwhile, the benefits of using that credit card are bigger.
- The Types of Credit Card
The bank publishers of credit cards usually offer some types of credit cards. Before you apply for a credit card, you usually should select the needed credit card type. Those are classic, gold, and platinum. Those usually have their limits and exclusive benefits such as product warranty, accident insurance, airport lounge, and a long period during travelling. Of course, the extra facilities can be got by paying the higher annual cost and sometimes make the interest level higher. If you have a higher income, the businessmen who love travelling select gold or platinum types.
The Credit Card List That You Should Know
The best credit card offers some reward combinations, long APR promotions for buying or transferring debt, and friendly offers. However, the best credit card list must be various based on financial purposes and expenses. These are some products of credit cards.
- Aer Lingus Visa Signature Card
You can get 100.000 Avios after you shopped $ 5.000 for the purchase 3 early months after opening the account. You will get 5 Avios for $1 shop for the purchase meant of Aer Lingus, Iberia, British Airways, and LEVEL in the first 12 months since opening the account. Then, you can get 3 Avios when you shop for $1 to accommodate hotels. This credit card has a touch symbol when you are checking out. It is easy, secure and fast.
- Citi Bank Credit Card
Citi Bank is a credit bank publisher famous all over the world. It is one of the pioneers of credit cards. It has some features and products of credit cards for the customers. One of the benefits of this credit card is the leading system and services. The service of this bank belongs to the best one. Nevertheless, the weakness of using this credit card is the minimum limit of the credit card. It usually offers different products and cards for different uses.
- HSBC Premier Card
HSBC credit card is an old publisher because it is a global-scale bank. It has a good credit card product accepted broadly in some countries without worries when you are travelling abroad with this credit card. It offers three types of credit cards such as gold, platinum, and visa platinum. The application of the credit card can be online by fulfilling the application form. The customer service will contact you within 48 hours.
- American Airlines Aadvantage MileUp
You can get 10.000 miles of American Airlines Aadvantage bonuses and receive claimant credit of $50 after buying or transacting $ 500 within three first months since opening the account. Then, you can get 2 miles for the purchase of $1 when you buy some food ingredients in the store. Then, you will get 2 miles when you shop for $ 1 for the purchase of American Airlines.
- American Express Business Card
You will get points after you spend your money $ 10.000 on the purchases for the first three months. You will get rewards when you get 4 times membership rewards for the purchase with this credit card.
Those are some products on the credit card list that you should know. You can select one of those best credit cards before applying for the application form of a credit card.
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