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It’s easy to fall for a credit card. You notice the different
high-interest, in-store cards with their promise of great perks. You watch
others swipe their MasterCards and Visas with excitement and ease, and
even though you’ve had a card or two in your wallet, you're still looking
for "The One."
The Affair
Most credit cards catch your eye
and your interest with various rewards, discounts and seemingly great APR
deals. Before you know it, you’re "involved" and it becomes a part of your
everyday life. You find that you are spending an awful lot of time
together. You go shopping together, out to eat together, to the movies
together…and even pay bills together.
The Honeymoon is Over
Then it hits you: You are spending way too much time together! Not
only are you shopping with your credit card, but you are also transferring
balances and taking cash advances! And now that you've come to rely on
your card, the rate you thought you were getting?... oh, well that was
just an introductory rate, charming you and sweeping you off your feet. A
few months into the relationship and the true rate rears its head.
Suddenly, the whirlwind romance
you were having with your credit card has turned into a damaging,
tumultuous relationship filled with fees and Penalty APRs! By the end,
many credit card holders are left feeling betrayed and frustrated. But
this doesn’t have to happen.
You Deserve Better!
You can have a bond with your credit card that is healthy and
long-term! Here are some things to keep in mind:
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Remember to read the fine
print. Introductory rates are just that, introductory. The card is
putting its best foot forward, but know what kind of rate you'll be
dealing with in a long-term relationship.
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Look for a steady, fixed APR
with the same APR for cash advances and balance transfers. This is
a card you can count on.
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As for balance transfer fees
and penalty APRs, you deserve a thoughtful credit card that knows you
need your freedom. And if you happen to make a mistake, a good credit
card will understand and give you a forgiving grace period.
So, next time you see a credit
card, give it a good once-over. Make sure you can have a real future with
it before committing. |
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Our
Promise
to Members
Partnership:
We promise to seek opportunities that make it easier to do business with
us.
Reliability:
We promise to respond to your requests accurately and in a timely manner.
Integrity:
We promise to ensure the security of your financial information.
Dedication:
We promise to treat you with respect and professionalism.
Excellence:
We promise to be knowledgeable regarding your requests. |
