The Internet has created "Intense Competition" in all areas of finance including Credit Cards.  In addition to great rewards and fixed rates, there is also a tremendous advantage to transfer balances to new introductory offers.  Just choose a credit card category that matches you and start saving money today!


 

Preferred Credit Providers

Capital One Credit Cards Preferred Provider Capital One Credit Cards	Other Excellent Credit Cards NextCard American Express First USA
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Choosing Your Credit Cards

With all the available credit cards it may be difficult to choose which one is right for you.  There are several factors that determine which credit cards are best for you.  The first important factor is your current credit rating.  Capital One has the highest acceptance rates, so it is among my top choices for people who have had a few late payments, but no serious delinquencies.

Are you using the credit for business or personal use?  If you are applying for business credit cards, it's really hard to beat American Express.  My choice is the Business Blue card that was just introduced recently.  It gives you access to many perks that other cards don't offer.

Another important factor is whether or not you pay your bills on time.  First USA for example will give you a 9.9% rate, but if you have 2 late payments your interest rates begin to skyrocket.  Capital One and NextCard have similar, but more relaxed guidelines. 

Do you carry a balance?  If not, then No Annual Fee Credit Cards and high quality customer service is a priority.  In this case Capital One or American Express Blue would be my choice. 

If you have good credit, but need to consolidate your debts, NextCard is probably my top choice among the various credit cards.  They have a very simple enrollment process and the transaction is fast and easy.  Capital One is also a great choice for debt consolidations, especially if you have a couple nicks on your credit report.

Has your credit been severely damaged?  In this case, there really is no choice but to start out with a secured credit card.  A debit card can also be used for transactions, but will do little to establish your credit rating.  Capital One has an excellent program for secured Visa credit cards.  There is no application fee, a modest deposit ( as little as $49 ) and a credit line up to $400. 

If you need more restructuring help and credit repair services, then you may want to go with FutureCard.  They specialize in the area of credit repair.

Regardless of which credit cards you choose, the main thing is to  use them responsibly so you avoid problems down the road.  In addition, make timely payments in order to keep those low fixed interest rates.  There is nothing worse than raking up a credit card and then having the rate go through the roof !!