When you get approved for a credit card it’s often the start of a long-term relationship. And that also means a long-term commitment. So it’s important to find the best credit card offer for your unique situation and needs. What happens if you can’t find a credit card offer that feels “right” though? Should you just stick to your current credit cards? Should you stop looking altogether, because your expectations might be unrealistic?

Here are three options if you can’t find the right credit card offer the first time you compare credit cards. read more..

Let’s say you want to start a small business. You could pursue traditional financing, but you could also turn to credit cards — especially if start-up costs are expected to be very low. You could then apply for a business credit card like the CitiBusiness credit card. Or you might think it’s a good idea to use an existing personal credit card instead.

Is it really a good idea to use personal credit cards for business use? The appeal makes sense. You could earn more rewards points for example. It’s easier. You don’t have to add another credit card to your personal credit history. read more..

What’s the “right” way to use your credit cards? Should they only be used to make large purchases? Clearly there’s no one-size-fits-all answer to that question. Everyone’s shopping behaviours are different. Everyone’s income levels vary. And everyone has a different susceptibility to credit card debt.

Let’s take a look at some situations when it’s a good idea to reserve your credit card usage for large purchases. Then we’ll look at scenarios when it might make more sense to use those credit cards for smaller or routine purchases as well. read more..

Along with purchase interest rates, annual fees are probably one of the most popular features people consider when comparing credit cards. That’s because all credit cards either have an annual fee (meaning there is a similar point of comparison) or they use “no annual fee” as a marketing tactic to set a card apart.

The fact that it’s an easy comparison point isn’t a good enough reason to consider annual fees though. After all, those fees may be worth it with one card that offers a lot of perks and a rewards programme and completely not worthwhile with another credit card. But even though annual fees don’t really lend themselves to simple direct comparisons, there are still several reasons these fees are important. Let’s take a look at three reasons you should take a serious look at a credit card’s annual fee before applying for it. read more..

There’s no doubt that credit cards can get you into serious trouble with credit card debt. But sometimes the specific cards you choose to use can also help you get out of that debt. Today let’s look at five current credit card offers with features that can actually make it easier for you to pay off your credit card debt faster.

Here are five credit card offers that can help you get out of credit card debt. read more..