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When you apply for credit cards - no matter whether it is a balance transfer card, a cash back plastic, cards for students, or any other - you need to be aware of multiple hidden pitfalls every credit consumer can face while filling out a credit card application. Our credit card information is relevant and up-to-date. You will get to know how to make the most of your rewards program, and how to qualify for lowest credit card rates.

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Car Credit Cards Post Date: 26.08.08	Credit Bonus Programs Post Date: 19.08.08

Car credit cards have appeared much later than the other consumer credit card types. They won the hearts of American consumers and got extremely popular. This is not a surprise. According to statistical data, the average American family owns at least one car. But in fact, it is usually 2 or more cars per one family. Credit card market develops rapidly and wins more and more new consumer sectors. The credit card types that are in the greatest demand are: cards for businessmen, students, travelers, housewives, pets, which have recently been supplemented with credit cards for car owners.	Keeping all your finances in one place is a vestige of the past. Financial consultants do their best in persuading people not to keep all their finances together. But as credit rewards programs concerns, those advisors say that the variety of reward options is so wide that you may roll in rewards, if you are a disciplined cardholder. Just think about all those cash back rewards, air miles and redeemable gift certificates! If you are searching for unbelievable bonuses, one good reward credit card is what you need.
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Please tell me. What is best, 0% intro APR on balance transfers or low fixed APR? I’m seeking to pay off my $6,000 balance asap. The cheaper, the better.

Answer:
Well, your choice will depend on what is your priority – to kill debt slowly but surely (a low rate on b/t until paid off) or to try to pay off the whole balance at 0% in as soon as a year. The first variant of a balance transfer credit card is ideal for customers with narrow means who cannot cope with the whole amount of the balance in one year. As to 0% Intro APR balance transfer offer, which is valid for as long as 6 or 12 months, it is the best option for customers who are determined to get rid of the burden as soon as possible and pay no extra cent on it. If you belong to this category of customers and want to pay off that $6,000, mind the following. Not all balance transfer cards offer such high limit. You may have to divide the debt into two or three parts and apply for this number of b/t credit cards. Then, pay attention to other rates and fees on you credit card to make a really beneficial deal. Good luck.

How do I use airline rewards cc the best way? I’m looking to earn enough for a free ticket when I need it most. Thanks.

Answer:
Thank you for your question. Credit cards with miles rewards are ever so popular but some customers just do not know how to maximize rewards and often end up with useless points and undesirable balances. If you want to benefit from an airline rewards credit card you should decide on the way you’ll use it. If you’re committed to flying with the same airline, you’d better get an airline-sponsored card which will offer you extensive collection of benefits and miles redemption options. For instance, you may be able to redeem points for a seat upgrade to the first class. However, if you’re looking for more flexibility, you’d better apply for a bank-sponsored air miles card. This card will allow you to collect miles on different airlines and store them all on one card. Remember, all air miles credit cards charge a bit higher APR and a certain annual fee. So, choose a most appropriate one. Also remember, that it’s necessary to redeem points before a certain date and avoid blackout dates. There is often a restriction on the number of miles you can earn a year, so watch closely for it to avoid losing the miles.

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