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Get the FACTS about Credit Cards...

Here is what you need to know...
   to break free of Credit Card Karma:

Credit Card Deals...
Among all the Credit Cards Out There
   Which is The Best Deal for YOU?

You do not have a credit card yet but... you have been thinking about getting one. Let's say that you already have a debit card and you have handled it responsibly... and now you want to branch out into credit cards!

Yet you are not sure about where to start and what to do. You are "amazed and confused" by the staggering number of offers out there... but you need to figure out which is the "best deal" for you! Here is what to do:

* Evaluate Your Personal Needs: There is no such thing as 'the best possible credit card'. Different people have different needs. Ask yourself why you want a credit card... what will it be used for the most? Check first to see if there is a special category of credit cards designed specifically for your needs.

- Is it because you are a student?
    Then check out Student Credit Cards.
- Is it because you are a small business owner?
    Then check out Small Business Credit Cards.

- Is it because you are a frequent flyer?
    Then check out Travel Services Credit Cards.
- Is it because you like to rent movies, dine out, go to concerts?
    Then check out Entertainment Cards.
- Is it because you only want to shop online?
    Get credit card chock full of online protections.

* Co-branded Credit Cards: Co-branded credit cards - those offered by specific merchants (like retail chains, airlines, hotels) - can be a good deal for you... if you frequent buy from that merchant.

- If you fly a lot, using airline cards can get you more frequent flyer miles or discounted rates on tickets.
- If you dine out, using dining cards can get you free movie tickets, and free or discounted meals.
- If you shop online, using eBay-PayPal or other services can get you coupons and discounts.

* Credit Limit: Think through what credit limit (the maximum amount you can spend in total and during the month using that particular credit card) would work best for you. Here are some things to keep in mind:

- Since you should be spending NO more than 75% of the card's credit limit, do the math as follows:

(What you want to spend maximum) divided by (.75)
    equals (Total Credit Limit to Apply for)

- You need to know that when the credit card bill arrives...
    that you can make the payments.
- If you are not sure that you can handle credit cards,
    do not get one until you can be sure.

* Repayments & Interest: Consider the following:

* If you plan to pay off your credit card bill in full every month, then it does not matter what the APR (annual percentage rate of interest) is.

* If you are planning to "float" an outstanding balance for awhile, then the APR is biggest single factor in choosing a credit card.

- The APR of interest on the outstanding credit card loan balance adds to the principal amount that you owe to the credit card company. Obviously you want the lowest APR. (See debt consolidation for a more on how APR is calculated.)

- To get the lowest APR, you want to get the lowest "base" rate.
- To get the lowest APR, you want to get the lowest "additional" rate.
- To get the lowest APR, you want to get a fixed rate (rather than an adjustable rate) if possible.

* Terms: It cannot be repeated enough. Credit cards are NOT free money: they are borrowed money which you have agreed to repay. Read the fine print. Make sure you know the answers to these questions:

- What are the fees, penalties, and charges for late payment and over limits?
- How does the company protect your privacy and guard your card against fraud?
- In case of emergency, how can your credit card company be reached by phone?
- In case of disputes, how does that process work? What are your rights?
- What terms does your credit card have that others do not have? (Be careful!)