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A credit card is a card that allows you to borrow money for paying your purchases but bound to a certain limit. At the end off every calendar month either you have got to refund the whole amount or a minimum amount. A planned credit strategy will enable you to better your credit worthiness. The most obvious thing, which can be done for edifice a good credit history, is repaying your measurements on time, taking measures to protect your credit standings and making your credit report accurate and flawless.

Before making the pick of the credit card there are assorted points, which are to be kept in mind:

Annual Percentage Rate is the amount of interest you pay every twelvemonth on your borrowings. The higher APR will do you pay more than finance charges. The minimum repayment you do is basically the interest but paying a small more than volition aid you in the reduction of your past balance. APR is one thing that tin fire a hole in your pocket. So maintain it as low as possible. Introductory rates: When you subscribe for the card you are offered with a low or 0% rate of interest for an introductory period. You must maintain in head that this interest free time period is applicable on purchases and balance transfers as well. This volition reduce your measure considerably. Gold and Platinum cards: If you are a high-end earner and munificent Spender then these two cards can work wonderments for you. These cards have got lower interest rate, high or no credit bounds and are accompanied with respective services and benefits. Grace period: This is also known as interest free time time period in which you can refund your amount without added interest. This assists you with your debt burden. Cash back and Rewards: There are assorted credit card companies which entitle you with the reward points which can be redeemed against free air miles, cash back or discounts. Keep a expression that these points are feasible for you like for illustration there is no usage of collecting air miles if you never fly. Balance transfer rates: This is the option, which is hunted by the people who are having a huge outstanding amount. Many cards offers lower rate of interest. Thus, if you transfer your balance from one card O another with lower interest it can assist you with your debt problems and salvage a batch of money. Late payments: This characteristic is the chief stay of any credit card for careless spendthrifts. The interest maintains piling when you detain your payments. Thus, at one point of clip the interest amount transcends the principal amount. So it is advisable to check the charges levied on the late payments.

All these characteristics and offers collect in to constitute a good credit card and you should be aware of your credit card well.