Not surprisingly, there are some credit cards that are much more popular than others. Any number of aspects can make them popular, but the top credit cards tend to all have multiple positive aspects that appeal to today’s consumer. According to J.D. Power and Associates, the top credit cards out there include American Express and Discover. Other credit cards that did better than the industry average, according to consumers, were Barclaycard and Chase.
Use the credit card chaser to chase down the top credit cards for you today.
You may ask yourself what exactly constitutes a top credit card. The study that was done by J.D. Power and Associates considered things like:
- Benefits and services
- Billing and payment process
- Problem resolution
In addition, a competitive credit card APR is one of the things that make a card more preferred than another, as well as minimal fees and attractive introductory offers.
Is just anyone eligible for the top credit cards today?
While practically every adult is eligible for some type of credit card, not everyone is eligible for the top credit cards today. It depends largely on your credit score and your income, as well as the choices you have made in the past. Age and credit history also count.
You can increase your chances of your credit score being good enough to be eligible for a top credit card, by doing things such as:
- Make all credit card payments on time and for more than the minimum amount.
- Keep on top of your credit score by checking it yearly so that you can dispute any errors and get them resolved.
- Avoid carrying balances on your credit card.
- Pay down any existing balances on your credit cards.
What types of credit cards do I have to choose from?
There is an abundance of credit cards on the market today. In fact, they vary so greatly that there is surely one that will please almost any consumer. Before you start shopping around, it makes sense to:
- Valuate your spending habits
- Your credit card use history
- Your personal interests
- Your expectations for this new credit card
Some of the many cards you will have to choose from include:
- Bad credit credit cards
- Business credit cards
- Low interest credit cards
- Instant approval credit cards
- Prepaid and debit credit cards
- Secured credit cards
- Student credit cards
- Balance transfer credit cards
- Rewards credit cards
- Travel credit cards
- Hotel credit cards
- Gas credit cards
- Dining credit cards
- Airline credit cards
- Cash back credit cards
As you can see; if you are in the market for a credit card to repair or establish good credit; you have the bad credit, prepaid and secured credit cards to choose from. Those who want a credit card that rewards them also have a wide choice. Specialized groups like business owners and students even have their own type of credit cards. There is even instant approval for impatient consumers.
What should I know before I choose my next credit card?
While it is great to know which credit cards fared best amongst customers, there are also other things that you must be aware of before you select your next credit card. When it comes down to it, the choice is yours and you will want a credit card that fits you.
In addition to the J.D. Power information, you should find out if the credit card you are choosing has received any major complaints that should concern you. Contacting the organizations Better Business Bureau or Consumer Watchdog will provide you with information on any credit card that you search for.
Be aware of the terms and conditions that are offered for the credit cards you are considering. What is the introductory APR and how long does it last? Unless you are planning some big purchases or doing credit card balance transfers, this may not even be important. What is the standard APR? What fees are associated with the card?
Take the time to carefully compare your options before you make that choice. Your credit cards follow you even after you close them thanks to your credit reports from the major credit card reporting bureaus. An error caused by a hasty decision today can affect your credit and your purchasing power for many years to come.
Have the credit card chaser find you a variety of credit card offers from top credit card issuers today, so you get the top card for you.
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