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The best visa cards for you are those tailored to your individual money wishes and objectives with low interest rates and, naturally, those for which you’ll be licensed. To see what you’re searching for, answer the following queries :

1. Do you predict any big purchases in the next year ( i.e. Furniture, appliances, and so on. ) ?
2. How long will do you predict keeping the principal of a purchase on your card?
3. Do you need to pay your whole balance each month?
4. Do you now have credit limits totaling more than 40% of your annual salary or balances superb on those cards larger than half of the credit limit?

If you answered yes to the 1st query, you’ll need a card with a high limit and a low rate of interest. This will appear obvious but not all folk need these things.

You will do best getting a card with rewards attached to something you have an interest in, like an airline miles card. If you answered larger than 3 months on the second query, you’ll need a low IR. The interest is where you may save cash.

If you answered yes to the 3rd query, you could be interested in finding a 0% interest charge card,eg Amex. These cards will not charge you interest so long as you pay your bill soon and in its totality each month. If you answered that you would like to hold on to your Mastercard in the 4th question, you need to look for a moderate borrowing limit and a low interest rate.

If you answered that you intend to use this card only in the near term, then you need to look for a card with an introductory 0% rate of interest. These are best joined with a plan to pay down the balance by the end of the introductory term. If you answered yes to either part of the 5th query, you could have some difficulty securing new cards.

Part of your credit report is decided by the credit you carry and the percentage of the balance to the credit limit. Some banks are reluctant to grant further credit to those candidates whose credit worthiness scores are low due to superb credit, even if you have paid on time. The best credit card for you could be a card concentrating on subprime credit, without reference to how close you are to the sufficient credit rating.