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Finding the Right Credit Card: The Do's and Don'ts

With so many different credit cards offered today, it has become almost impossible to make a decision on which one is best for you. Each company presents enticing offers for their credit cards, which tends to make it more confusing. To help you, we have complied a list of "do's and don'ts" when choosing a credit card.

DO...

1) Consider rewards. For example, if you are a heavy traveler, choose a credit card that will reward you in hotel rooms, flights, or cruises. Different rewards are available between each company.

2) Check interest rates. Although many companies offer 0% APR for a period of time, their interest rates will go up. Obviously a free credit card is impossible, so make sure you look long term. Look at what your interest rates be like a year from now.

3) Pay attention to credit lines. Choosing a credit line can be difficult because credit companies want you to pay interest, so they provide appealing lines. Make sure, especially if you are a student, to go with a student credit card. These credit lines are low, so they prevent you from spiraling into debt, while still building your credit.

DON'T...

1) Sign up for a credit card just to get a free pizza! If someone approaches you offering a credit card at a mall, on campus, or on the street, its generally not a good thing. You should approach credit card companies ALWAYS. Don't ever let someone try to talk you into a card.

2) Open more credit cards to pay off debt. This will only become a problem. Make sure that if you have bad credit, you are carefully selecting a card that will help you rebuild credit, not make it worse.

3) Settle. Hundreds of different cards are offered, so usually the first one you see won't be the best one for you. Your research is necessary in this process. Consider every facet of the credit card you are looking to apply for.