Selecting A Credit Card | Personal Financial Planning Concepts

March 17th, 2012 by admin Leave a reply ?

How many ?pre-approved? credit card offers do you get in the mail in the average month that seem to shout at you to accept the offer before it expires? If you?re in the market for a credit card, take some time to shop all the offers to get the best credit card available to you.

First, look into the credit card terms and conditions. These are the fees associated with making purchases on the card, transferring balances to the card, taking cash withdrawals, and late fees. You can easily compare the annual percentage rate between credit card offers. The annual percentage rate is a way to measure what the credit actually costs you. Beware of variable annual percentage rates- and if you are considering credit card offers with variable APR?s, find out how often the rate can be changed, how it effects the finance charges you are billed each month, and what the rate is based on.

Secondly, find out whether or not the cards in question charge an annual membership fee. Annual fees can be anything from $25 to $100 a year, with some platinum credit cards charging several hundred dollars. This is a fee that you are required to pay each year just for having the card in your wallet- even if you never make a purchase or transfer a balance to the account. If you?re going to pay an annual fee on a credit card, there should be rewards or low rates that make the fee worth paying.

Look into the grace period of the credit card. Many cards will give you about 56 days to make payments interest free, without finance charges, just by paying your entire balance on time. Cards that do not have this free period can charge you a finance charge from the date you make a purchase on your card, or from the date each charge is posted to the account. Also consider transaction fees, and another fees associated with having the credit card. Just about every credit card will issue a fee if you take a cash advance or make your payment past the due date. Find out whether or not there is a monthly fee charged to the account when you don?t make any purchases- there are some credit cards that will charge you monthly even if you haven?t taken the card out of your wallet, and those are fees you can easily avoid just by selecting a credit card that doesn?t have these additional fees.

You?ll also want to consider the reward programs offered from each credit card you are considering applying for. If you are a frequent traveler, it makes sense to look at rewards programs that earn you discounted flights, hotels, and car rentals when you purchase your travel expenses and tickets using the credit card. Over time, your purchases will result in free travel, making the credit card with the travel rewards program a great choice for the frequent traveler. A very popular form of credit card rewards program is the cash back offer. These credit cards will reward spenders with 1% to 5% cash back for all of their purchases- either credited back to the credit card or sent as a check to the card holder. This may be a good card for you if you pay your balances off each month in full- because typically a cash back card will have a higher percentage rate than cards without cash back programs.

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In addition, it is tougher than ever these days for furniture shops to spread the word by what they offer-whether they are a large chain such as Bob?s Low cost Furniture or Raymour and Flanigan or a Mom and Pop joint in a tiny town, these stores don?t have the advertising budget of the big box super stores and therefore are finding it increasingly difficult to rely on newspapers to spread the message. Make sure that when emails tend to be sent out that they include the important aspects of your company such as the web address, phone number, and other contact information. And if you can provide that valuable relationship, they will reward a person with business.

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Once you have carefully tuned you email list you?ll be able to make sure the best emails are going to the right people in order to see maximum results. Email marketing is potentially the most effective way to promote your small business ? by building the mailing list. To establish a good relationship, initially you send them an email as well as thanks them about jumping into your giveaway.

If you run a large internet company, you may be thinking to yourself, ?I can?t run a textual content email marketing campaign?. It is vitally important that you utilize a ?double choose in? form meaning that people have to verify that they?re happy to receive the e-newsletter before it?s delivered. When a customer buys from the product website the email address can be saved and when additional promotions are being planned if these people who?ve purchased from your site previously tend to be targeted very first then they can be offered additional discounts or bonus deals.

A good email marketing service enables companies to communicate with thousands of people in just seconds. But have you ever considered exactly how SMS can actually support your other conversation channels, such as email? It involves arranging promotional communications with relevant and specific phone calls to motion sent by way of email.

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