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Carefully review your credit card applications before committing

Saturday, July 07, 2012 at 12:05:23 AM

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If you're in the market for a new credit card of any kind, you might be considering a number of credit card offers, each of which might carry some kind of benefit for you.

But as you look over a wide variety of credit card applications in your quest for the most beneficial account available to you, you will need to keep in mind that

there's a lot more to an account than the interest rate or the amount of rewards

you might be able to earn.

Fees you might face

These days, many credit cards come with extremely generous terms such as low ongoing interest rates, introductory APRs as low as 0 percent for several months, or the ability to rack up rewards quickly based on your own spending habits. But what is it costing you?

What you might not realize is that many of

these cards can have sizable annual fees

that can significantly dent the benefits you might have otherwise earned from them. For this reason, you'll want to factor in the annual fee you are charged for maintaining the account every year when you think about the overall benefits. In some cases, you might find that your spending habits aren't enough to make the annual fee worth it.

Further, sometimes the late fees applied for missing payments can void terms of the agreement you signed, and this is especially prevalent in balance transfer credit cards. As such, you'll want to make sure you're making all your payments on time and in full, or you might end up paying a lot more than you bargained for.

What else should you watch out for?

There are other factors that can limit the value of your cards as well, particularly if your new account grants you rewards. For instance, some do not allow borrowers to earn at the advertised rewards rate until or unless they meet a predetermined spending threshold, and others might restrict that rate after borrowers reach a certain amount in their balance.

For these reasons, when you're trying to figure out exactly which credit card offer is right for you, you should

review a number of appropriate credit card offers

, and do so thoroughly. Otherwise, you might end up with an account that doesn't benefit you as well as you might have hoped.

At we have a credit card search engine that can quickly present you with a list of the most relevant credit card programs for your specific needs. Check it out and you'll see how our advanced tools and instant online credit applications can make finding your best credit card deal a snap!

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