| 1. Always read the fine print of your card | | | | credit card companies and not you… |
| holder agreement. We've all heard the | | | | |
| nightmare stories that our friends tell us | | | | 4. If you're going to get a credit card want |
| about how they signed up for this credit card | | | | not earn some rewards. There are so many |
| and the APR on the credit card is through the | | | | different credit card companies partnering |
| roof. Always make sure to read over your | | | | with Airlines, hotels, restaurants, etc. that |
| agreement. | | | | it would be foolish not to try to get some |
| | | | reward out of your credit card. The more you |
| 2. Research your credit card online before | | | | spend the more you get back. Amazon uses a |
| signing up. So you know what card you want to | | | | points system with MasterCard. For every |
| sign up for, now research it. Find out what | | | | $2500 you spend with your Amazon credit card |
| people are saying online. People on the | | | | you earn a $25 gift certificate from Many |
| internet write reviews on anything these | | | | individuals use there credit cards to |
| days. Credit cards are no different. Just | | | | accumulate frequent flyer miles. If you're a |
| type credit card reviews into Google and see | | | | traveler, why not? |
| what you get back. | | | | |
| | | | 5. Beware of annual fees. Many prestigious |
| 3. Don't be fooled by intro APR offers. Yes, | | | | cards charge an annual fee to be a card |
| it's wise to look for these offers but avoid | | | | member. It's standard practice for American |
| being tricked. Many times the APR will be | | | | Express. If you want to be in there little |
| overly high after your intro offer ends and | | | | club than expect to pay an annual fee. Many |
| by that time you probably owe money on the | | | | times your annual fee will be in the card |
| credit card and that's when you're APR goes | | | | holder agreement, so make sure you read it |
| into effect. These offers usually benefit the | | | | over. |