Choosing the Right Citi Visa Card

2007-03-08 10:33:40

( Financial )



The market is saturated with credit cards so you may find it hard to choose one that’s perfect for you. There is the citi visa card, the disney visa card, the student visa card, the flexible rewards visa, and a lot more.

The most important consideration when choosing your particular credit card type is the credit card apr or annual percentage rate. The credit card apr is the yearly rate you pay when you use your line of credit. The credit card apr is important because when your application is approved and you begin using your card, you will be bound to pay the interest rate charges on top of your principal balance. Therefore, when applying for a citi visa card or any other card, you should ask for the credit card apr before you finally decide on which card you are going to take.

You must also think of the rewards associated with the use of your credit card. If you have children, you may consider applying for the disney visa card instead of the citi visa card. Using the disney visa card on everyday purchases can earn you rewards such as vacation packages, digital video discs, toys and even theme park tickets which the whole family will surely enjoy.

You may also consider the flexible rewards visa card instead of the citi visa card and the disney visa card. While the disney visa card only gives you rewards from the partner theme park giant, the flexible rewards visa card lets you choose the rewards you want. You get to choose among cash rewards, merchandise rewards and travel or gift certificate rewards among many others.

If you are a student whose main expenditures consist of school expenses or a parent with children in college, you may be better off with the student visa card which is specially designed for those still in school. The student visa card has a very reasonable line of credit and is equipped with the typical features of a student card.

The citi visa card, the disney visa card, the student visa card, and the flexible rewards visa are just a few among your choice of credit cards. While the great variety of credit cards makes choosing quite difficult, you can make your task easier by considering what your family needs and wants and the amount you are willing to spend on necessities and certain luxuries. In the end, the important thing is to make sure that you have got yourself the best deal possible; that is, a card which has a low credit card apr and is packed with your preferred rewards.


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