What to do if You Can’t Find the Perfect Credit Card
January 14, 2011
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.
1. Try a credit card comparison site for more options.
If you manually tried to find cards to compare, you might have only come across a small sample of available credit card offers. A better option is to visit credit card comparison sites (like our credit card comparison engine). That’s because these comparison sites feature a large number of up-to-date credit card deals, allowing you to compare them quickly and conveniently in one place.
Here at CreditCardOffers.com.au we let you browse current credit card offers by issuing bank, type of card (balance transfer cards, rewards cards, etc.), or by looking at the top-rated monthly offers on our homepage.
2. Turn your current credit card into your “perfect” credit card.
Maybe you don’t need a new credit card at all. Are there only one or two features of your current credit card that you’re unhappy with? Then give your credit card company a call. You might be able to negotiate a lower fee or interest rate because they don’t want to lose you as a customer. It never hurts to ask, and it might save you some hassle.
3. Just wait.
Sometimes the best thing you can do is wait. The credit card offers you find today might change tomorrow, a week from now, or a month from now. It can be a good idea to compare credit cards monthly. Sometimes all of a certain type of offer seem to disappear for a while (like 0% purchase rate introductory offers), but they’ll return on several cards months down the road. So unless it’s urgent that you apply for a new card, waiting might be your best option.
Whether you wait it out, find a larger selection of offers, or find a way to make your current credit cards feel like a better deal you’ll find the right credit card for you. Just keep working on it until the right offer does come along rather than settling for another credit card that you won’t be happy with in the long run.
Below are 3 of our most popular and recommended credit card offers:
Purchase Rate (p.a.) |
Cash Rate (p.a.) |
Balance Transfer |
Interest Free Days |
Annual Fee |
||
Citibank Clear Platinum |
11.99% | 21.74% | 2.9% for 12 months | up to 55 days | $49 | More Info |
ANZ Platinum Credit Card |
0% for 6 months | 21.49% | 0% for 6 months | up to 44 days | $0 first year | More Info |
Westpac Low Rate Credit Card |
0% for 6 months | 21.49% | 0% for 6 months | up to 55 days | $45 | More Info |
