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How to Get the Best Credit Card Deal

There are hundreds of credit cards on the market, and it can be hard to separate the good cards from the bad. Every credit card has its own marketing campaign, and they may send out offer letters and pamphlets detailing the great qualities of that card. But, what they advertise may not always be what you get. Many cards show off their rewards, while minimizing the talk about fee, interest rates, and other things you may not find enticing. So, before you fall for a flashy credit card offer, ask the following questions and decide if it is really right for you.
 

Credit Card Churning: Should You Do It?

Free flights, hotel stays, cruises, discounted travels... these are just some of the many rewards that you can earn by using a travel credit card. So, in the hopes of earning more of these rewards, an increasing number of people have started to make a habit of opening multiple credit cards at once to get the points. While this may seem like a great idea in theory, it can be very damaging to your finances.

All You Need to Know About Co-Branded Credit Cards

If you spend a lot of money with a specific retailer or airline, you may want to look into getting a co-branded credit card, also known as a “theme” or “specialty” credit card. These credit cards are sponsored by two parties: one is the bank or card network (ex: Visa, MasterCard, American Express) and the other is typically a retail merchant of your choice (ex: Delta, Hilton, Disney). With a co-branded credit card, you can earn significant rewards and merchandise discounts when buying from the sponsoring merchant. 

Best Credit Cards for the Multitasking Moms

Being a parent means multitasking. Whether it be running to the drugstore, picking your kids up from soccer, or making dinner for the family, you are constantly busy doing things for your children. And all these things costs money. Prescriptions, gas, food, clothing- they might be small, but they add up fast.
 

Common Credit Card Terms Explained

Without understanding basic credit card lingo, you can easily find yourself confused and in debt. There are many terms that credit card offers and statements throw around that you may not know. So, it is important to familiarize yourself with these terms before you get into something you may not want. The following definitions can help you better understand commonly used words and phrases in the credit card industry.

How Can I Get a Lower Interest Rate on My Credit Card?

Are you paying more in credit card interest than seems fair?
 
If so, you may want to consider calling your credit card company. Although it may seem too good to be true, simply calling your credit card provider and telling them that you are unhappy with your current interest rate can get them to lower it. Credit card issuers want to keep their customers happy, so as long as you have a good payment history and your balance is low, most card issuers will be eager to please you to keep your business.
 

Creditnet's Best Student Credit Cards

College students represent a special class of credit card users. On one hand, they have very limited credit histories, most having recently entered adulthood. On the other hand, college students are highly prized by card issuers as they have a strong potential for future income. 
As a result, many banks now offer credit cards designed for college students. These products feature less stringent eligibility requirements, simpler terms, and some rewards for spending.  Thankfully, the beset cards feature no annual fee.
 

Are New Technologies Replacing Credit Cards?

Technology is advancing and so is your credit card. Visa and MasterCard announced separately on Wednesday that they would be introducing Internet-based technologies to make it easier for shoppers to buy things at retail stores. Instead of pulling out a credit card, consumers will have a mobile app to make purchases. There will be no need to swipe a card or put in a PIN number.The customer can just make a purchase by tapping the phone to a store’s card reader. 

Creditnet's Best 0% Interest Credit Cards, Winter 2014

Credit cards offer a secure and convenient method of payment, but if there is one thing that most cardholders hate, its paying credit card interest. As unsecured loans, credit card interest tends to be higher than a home, car, or student loan.
 

Loan or Credit: What’s the Best Way to Make a Big Purchase?

Whether it’s a new home, car, family vacation, or something else entirely, big purchases involve a lot of planning and thought. And if you’re ready for the buy, you’ve certainly researched your options and made a decision. But you may be stuck deciding how to pay for it. Before you make the purchase, consider your payment options. Some ways of paying can be better suited to your needs than others.
 

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