如何选择适合自己的信用卡

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如何选择适合自己的信用卡

一张信用卡可以打开很多扇门. You can buy things now 和 pay for them on a schedule that suits you. 你可以建立、建立和修复你的信用记录. You can even keep your credit card in a drawer 和 use it as a financial safety net.

But credit cards can also lead to high-interest payments 和 ongoing debt. That’s why it’s essential to choose the right credit card for your needs 和 make good financial choices. 

在这个五步指南中, we’ll show you what to do when looking for a credit card so you can feel confident about making the best decision. 

1. 找出你的信用评分

Your credit score 和 repayment history impact whether you can qualify for a particular credit card 和 what rate you’ll get if you do qualify. 所以在你申请之前，最好先要求一下你的 免费信用报告 三家信用报告机构的.

  • 比较这些报告，因为它们可能显示不同的信息.
  • 检查任何不准确和争议错误.
  • Take steps to improve your credit score, such as paying down debt to increase your available credit. 
  • Always make your credit card 和 loan payments on time—or even early.

2. 了解差饷及收费

在你比较不同的信用卡之前, you should get a h和le on the terminology you’ll likely see for any type of loan product. That way, you can easily interpret the product descriptions 和 note the best features for you.

  • 利率: 你支付给信用卡发卡机构使用资金的金额.
  • 年利率(APR): Includes interest 和 sometimes other fees rolled into one figure, 它显示了借款的真实成本.
  • 4月范围: The lowest 和 highest rates you might get for a particular credit card, 根据你的信用评分和财务状况.
  • 介绍率: A low APR you might be offered for a limited time before you start paying a regular APR. 如果你转的是高息余额，这很有用.
  • 起步阶段: 你要多久才能拿到介绍价? 例如，6到18个月. You want to try to pay down your balance transfer within this period.
  • 奖励: These may come in the form of points you can redeem for merch和ise 和 more, or cash back.
  • 费用: 你可以尽量避免的常见费用包括年费, 余额转账费用, 现金预支费, 滞纳金, 还有一笔外汇交易费.  
  • 宽限期: The period you have before your purchases start incurring interest. For example, if you pay off your balance within 25 days, you won’t pay any interest.

3. 考虑主要的信用卡类型

Now it’s time to look at the four main credit card types 和 start thinking about which one might meet your needs the best—和 cost you the least. 

奖励信用卡以获得现金返还

像GPK电子游戏这样的高级信用卡 Visa白金奖励 为符合条件的购买提供一定比例的现金返还, 如果你有良好的信用，还可以享受低利率. 

此卡适用于以下情况:

  • You regularly use your card for everyday expenses like groceries, because it offers a secure way to pay 和 a simple way to manage your finances. 
  • You also use your card for major purchases like airline tickets, 这意味着你可以收集更多的奖励. 
  • 你想要一个低利率的余额.

担保信用卡建立或修复信用

大多数信用卡都是无担保的, which means you don’t provide any collateral for using the credit funds. 有GPK电子游戏这样的安全信用卡 Visa经典担保, you make a cash deposit 和 this serves as collateral in case you miss a payment. 

在下列情况下，你可能需要有担保的信用卡:

  • You’ve never held a credit card or loan account 和 you need to establish your credit. 
  • You’ve built up a little credit history but not enough to qualify for an unsecured card, 所以你需要建立你的信用.
  • You’ve missed payments or defaulted on a loan so you have poor or bad credit 和 you need to repair it.

开始使用学生信用卡

作为高中生或大学生, you’re at the start of your financial journey so you may not have much credit history. 像GPK电子游戏的信用卡 Visa学生白金奖励 offers all the benefits of a premium card but with easier qualifying because of your student status.

在下列情况下申请学生信用卡:

  • You want to establish 和 build your credit history through timely payments.
  • 你想在学习的时候有一个经济安全网.

4. 比较您选择的信用卡类型的详细信息

Once you’ve identified the best credit card type for your lifestyle, you can take a look at the fine print 和 ask a few questions to make sure you select the best offer.

信用卡奖励 

深入研究并问这些问题:

  • 你会在所有购买中获得奖励吗?还是只有一部分?
  • Do you regularly make the types of purchases that qualify for rewards?
  • 你如何收到现金返还，多久收到一次?
  • If the card offers redeemable points, do you want the goods or services on offer?
  • Is the APR competitive or do you get a higher APR in exchange for the rewards?
  • 有很高的年费来补偿奖励吗?

低利息余额转账信用卡

Here’s what you need to check when it comes to a balance transfer:

  • 介绍价是多少. 新购买商品的正常利率?
  • 低息或无息优惠期有多长?
  • 你能在这段时间内还清大部分债务吗?
  • 还有余额转账费吗? 

担保信用卡 

在申请之前一定要问清楚这些问题:

  • Does your credit card issuer report your timely payments to the credit reporting agencies? 这对提高你的信用评分是必要的.
  • Is the APR fair or are you getting a very high APR because of your credit score?
  • Can you easily convert to a secured credit card once your credit score improves? 
  • Is your credit limit tied to your cash deposit 和 is it possible to increase your limit if you increase your deposit?
  • Can you earn interest on your cash deposit while it’s serving as collateral?

学生信用卡 

在你得到你的第一张信用卡之前，找出这些细节:

  • Is the APR competitive or are you being penalized for having limited credit history?
  • Do you need to pay extra fees because you’re just starting out?
  • 你购物能获得奖励吗?
  • How long is the grace period in which you can make a purchase 和 pay it off, 不支付任何利息?

5. 以信用卡发行商为例 

如果你还不知道如何选择合适的信用卡, the final step is to take a look at any financial institutions offering you a credit card, 包括gpk电子游戏官网, 大型全国性银行, 以及专业的信用卡公司. 

  • 想想组织的 值 以及你想与什么结盟.
  • 查看他们是否提供其他产品和服务(如 检查 和 储蓄 accounts) you might want to access for the first time or switch over from your current provider. 
  • 你甚至可以访问a 分支 看看你会得到什么印象.

Note that multiple applications for credit card pre-approval within about two weeks will only count as one application, 所以你的信用评分只会下降一次.

下一步:申请信用卡

Now you’re ready to go forward in your financial journey 和 apply for the right credit card for you. Remember our main tips on how to choose a credit card: Know your options 和 read the fine print. 

Choosing the right credit card means you’ll have a great experience 和 keep your credit score going in the right direction so you can access more financing for the big things in life. 点击下面开始!

找到适合你的信用卡
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