How to choose the most suit Credit Card? Which is best credit card ?

Whats up Guys,

Many people have been enjoying a lots of benefits with credit card. Some bodies have troubles with credit card. They don't know how to and where to use credit card. After they had trouble with credit cards, they start to use debit card. It is also acceptable. Many ATM card providers providing the credit service. Mostly Visa, Master and American Express are used worldwide.

What are the ways to obtain a credit card? or Where can i obtain a Credit Card?

There are many ways available to obtain a credit card. I list some of them here.

1. Credit Card linked with your Government and Private salary account in the bank. Credit card issuers need a regular income to confirm repayment of advances. You can get advance up to your salary amount per month at the beginning. You may get more advances per month, if your card issuer increase your credit limit after few years.
2. Credit Card linked with you Fixed Deposit. You can get advance up to 90% of the Fixed Deposit amount with these cards. The Percentage differ card issuer to issuer. If you can't repay the advance, Your FD account may be closed.
3. Credit Cards for trustworthy with issuer. Some banks are issuing credit card for customer who deposit a certain money in saving or current account regularly.
4. Credit Card as a gift for some club and organization members. Some royal club and organizations are issuing cards through banks with names of it.

What should be considered when obtain a credit card? or Which is best Credit Card?

Offers and Charges with Credit Card differ according to Membership types of credit card. In a bank, they offer different types of membership such as Platinum card, Gold Card, Silver card etc. To find which card is best or suit for you, You should consider below things.

1. Credit Limit: You cannot control this Credit limit. Its depends in your salary, Fixed Deposit etc. Its also differ bank to bank. Choose the best card or bank which gives you higher credit limit.
2. Credit Card Interest rates and Interest free offers: Choose suitable bank and membership type which gives advances at low interest rate. Most of the banks are offering interest free credit services for a certain period. Select which is interest free for long period.
3. Credit Card charges: Maintaining fees will be charged monthly or yearly and debited automatically from your card. You may be charged every withdrawals at ATM s and purchases at Points Of Terminals (POS). Most of the issuers don't charge for purchases at Points Of Terminals (POS). But, there are big differences in ATM withdrawal charges card to card and ATM to ATM.
4. Rewards and offers with reward cards: You can enjoy many Rewards and Offers at POS with your credit card. Such as payments reduction at selected merchants(POS), Bonus credits reduction, Exchangeable Rewards points, lottery money back or no pay per moth etc. For a best card, you should consider this too.
5. Repayment Period: Actually it is not a problem for salary card holders. Credit Card bills will be paid automatically every month. If you are FD Credit Card holder, You should consider too.

Now, have you chosen a best Card? If you have any doubts, Ask me via comments. I will get back to you within 24 hours. If this article about Credit Card is useful to you, Please Plus or Share or Tweet. Don't miss out latest trends. Subscribe to get updates to your inbox.

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