How To Choose A Credit Card 10 Steps With Pictures Wikihow 2. compare the annual fees of the different cards you are interested in. many cards, especially those that give you rewards, like miles towards free flights, will charge you a yearly fee to have the card. decide if the cost is worth the benefit to you in the long run. 3. 4. apply. there are typically three ways to apply for a credit card: through the mail, over the phone and on the internet. once you have decided on the right first card for you, you will need to apply for it with the card issuer.
How To Choose A Credit Card 10 Steps With Pictures Wikihow 1. get a credit card from your bank or credit union. if you've never had a credit card before, it can be confusing to figure out where to start. a good first step is to visit the bank or credit union where you have a checking or savings account and ask the staff about the possibility of getting a credit card. 5. find information on the credit cards you're interested in applying for. locate online applications or a hard copy of an application and look over the information on interest rates, grace periods, penalties, and rewards. [7] 6. browse online reviews on customer service for the credit card (s) you are interested in. 2. call the card's customer service department. for help redeeming reward points, you can contact your credit card’s customer service line. most rewards programs will allow you to redeem your points over the phone. the representative can let you know your available point balance and what rewards are available to you. Even 1 late payment can lower your credit score by 50 100 points. [3] 2. pay more than the minimum amount due on credit card bills. stay on top of your credit card bills, and try to pay them off in full whenever you can. don’t rely on “minimums,” or the smallest possible payment, to pay back your debt.
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