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Can credit cards help recent graduates?

Thursday, June 07, 2012 at 5:16:37 PM

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In the next few months, millions of young adults will graduate from high school and college, and will be looking to either head off to a higher level of education, or out into the real world.

In either case, there may be some amount of necessity for these recent graduates to seek out the best credit card available to them, which can give them a little bit of spending flexibility as they strike out on their own, either in full or with the help of their parents. But at the same time, it's important to

make sure you're finding the right card

for your unique financial situation.

So what should you consider?

Your personal needs

When reviewing a number of credit card applications, you should look for the card that will best help you deal with your finances. For instance, you probably don't need a balance transfer credit card since you likely won't have a credit card in your own name, and a rewards card might not make sense because you might not do a lot of spending on it, or at least, enough spending to make up for the higher interest rates and annual fees that typically come with these accounts.

Perhaps the best idea is finding a

credit card with a low ongoing interest rate

that will help you to keep your costs down even if you end up spending more than you should have in a given month and cannot afford to pay back the entire added balance in full.

The effect such a card might have

Most young adults aren't quite accustomed to dealing with credit of any kind, and this is especially true when it comes to accounts that they are solely responsible for. As a consequence, it's important to find an account that won't end up costing you too much for a slight misstep in your everyday use. Carefully reviewing all the terms of a credit card agreement to find out the penalty fees and interest rates associated might be a good idea, as it will help you find the most affordable card.

Whenever you're applying for any credit card, it's important to

compare numerous credit card offers

to make sure you're finding the best possible account for your personal needs.

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