They say cash is king, but sometimes it’s just more convenient to make a purchase by card. If you’re looking for a new bit of plastic to put in your wallet, there are some things you should know – so take a look at this useful advice.
Applying for a credit card: What you should know
Keep an eye out for introductory offers
Reputable providers such as MBNA offer a wide range of introductory offers such as 0 per cent cash and balance transfers for a certain period. Of course, these offers can change over time, but it’s important to keep an eye out for what’s available.
Consider cards with a grace period
With many credit cards, you’ll be given a number of days to pay off an outstanding balance before a charge is incurred. This is known as a grace period and could save you a lot of money on interest in the long run – so it’s worth doing your research.
Compare and contrast
The internet has changed the way we shop, the way we interact and the way we manage our money. It allows us to make a quick MBNA credit card comparison online – without flicking through mountains of paperwork – and is the ideal way to assess the similarities and differences between credit cards.
Understand the small print
If there’s a term or condition you don’t understand – dig a little deeper. Call up the credit card provider before making an application, or find out more online. The small print is there for a reason, so read each and every word before signing on the dotted line.
Learn more about fraud protection
Does fraud protection come as part of the package? If not, why not? These are just some of the questions that need answering. With most cards, you will not be liable for fraudulent transactions online or on the high street, providing you tell your provider as soon as you notice any unusual transactions. 
Find out more about specialist cards
Whether you’re a Manchester United supporter or a Liverpool fan, a football credit card could be just what you need. They’re available online and will give you exclusive reward points every time you use your card. These points can be redeemed for a wide range of football goodies and treats and are ideal for football fanatics. There are also rugby, charity, airline and other specialist cards available, so find out more today.
There are lots of things to consider when applying for a credit card, but a little bit of research should help you find the right product.
4 thoughts on “Applying for a credit card: What you should know”
  1. The last line is indeed true. It is always better and useful to do some research before choosing the best card for you! One could try making some checklist and guidelines before choosing anything so that an excellent decision will be made. Anyway, it's not about looking and feeling being a person with a lot of wealth. The second tip would give a good criterion for any aspiring credit card owner-the longer the grace period the better, the lower also the interest, the better. I believe in what the above tip says, it really would save you a considerable amount of money. Consider also third tip. It would really help a lot when you. Doing a little thinking would benefit you and would save you from future regrets.

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