Avail of Credit Card Specials to Get Discounts

2008-09-04 17:02:36

( Financial )



A credit card is another form of loan or debt. It lets you use the money before you even earn it. You can use it to your advantage by moving all your debts and loans into one credit card account, this can serve as your debt consolidator.

For people with good credit history, you can always apply for credit card specials. Some of the most popular credit card specials are rewards, rebates, deals, and discounts. For credit card users, this is an advantage since you will get discounts on some of your favorite items.

You can avail of your credit card rewards if you travel. They give miles rewards. These are special discounts you will get on your plane tickets. Cash rebates or cash back bonus is usually given on your gas and car maintenance purchases. Banks that give credit card specials usually tie-up with gasoline stations and car maintenance outlets so consumers can avail of these credit card specials rebates. Deals and discounts are usually for items consumers buy miscellaneously. These may be hotel and restaurant reservations, accessories, and other items.

Make sure you are availing of credit card specials that will work for you. Before opting for credit card specials, consider the annual fees, periodical fees, and service fees. Aside from that, you have the interest rates to consider. Interest rates are charged differently if you pay in full for the item at the end of the month, or if you pay them only a fraction of the amount. Also consider if you have a grace period. A grace period is a period where you will not be charged of interest rates or any other additional charges if you pay your credits in full every month. If your plans are to pay your fees monthly in full, then make sure your bank gives you a grace period for your credit card specials.


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