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      October 15, 2018

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There's no doubt that credit cards have become an important part of today's society. And for good reason! Credit cards make buying easier - you don't have to carry around loads of cash or write a check every time you buy something. Credit cards protect you, the consumer - many credit cards offer purchase protection and travel protection that just isn't available with other forms of payment. And credit cards help to build up a reliable credit history, making it easier for you to purchase a car or a home.

When shopping for a credit card, there are dozens of cards to choose from. It can be somewhat intimidating to decide which credit card you should choose. Just remember that different credit cards are designed to appeal to different consumer needs. Find out what's most important to you in a credit card, and your decision becomes much easier.

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To help you with your credit card decision, we've arranged several dozen credit cards into the categories below. Within each category, we've ranked the credit cards from best to worst. For example, if you suffer from bad credit or no credit, look at the Bad Credit Credit Cards. If you want a card that charges low interest rates, then look at the Low Interest Rate Credit Cards. Or if you're a student and just starting out establishing credit, look at the Student Credit Cards.

Once you decide on the credit card that you want, applying for it is easy. You can simply fill out online the secure form on the credit card application page. This normally takes less than 10 minutes, and typically you'll find out within 24 hours whether you've been approved for your credit card. Then your card should arrive within 5-7 days through the mail, and you'll be all set to start using your new credit card. has reviewed and ranked the best credit cards available today. We hope these reviews help you find the right credit card that meets your needs!

How to Avoid High Interest Rate Credit Card Charges

Despite recent laws designed to protect the credit card consumer from unfair interest rate changes on credit cards, rate increases are still a normal practice and how lenders make much of their money. There are several steps you can take to avoid paying too much interest and that can mean the difference hundreds to thousands of dollars in savings. It's highly likely that you'll have to incur some type of rate increase with your credit card but, you may be able to mitigate the impact with several of the tips below.

  • Pay attention to your credit card statements. Review the stated interest rate each and every month to make sure you know what's going on. Read any and all rate change documentation you receive.
  • The easiest way to avoid paying more interest and being accessed a larger interest rate on your credit card is to pay off the balance, each month, before the grace period ends. Most credit card issuers give you around 21 days to pay off your new purchases before you'll have to start paying interest on the balance. Interest expenses show up on your statements as a finance charges.
  • If paying off the balance isn't an option you should make bigger payments. The smaller the credit card balance the smaller the accessed interest charges.
  • Avoid making late payments. Credit card companies are allowed to penalize card holders when they aren't making payments on time. They do need to contact you and give you 45 days notice before hiking up your interest rate.
  • Be smart with promotional rates. With any new credit card, always read the fine print to find out if the initial rate is considered promotional, or short term, how long that period is and what your subsequent rate will be.
  • If you've been notified that your interest rate is going up you have a couple of options. You can call your credit card company to attempt to negotiate the rate down. If they won't budge than you can tell them you'll find another company that will. Or you can reject the change. However, that may mean you'll no longer be able to make future purchases on that card but you'll be able to pay off the balance at the current rate - saving you significantly in the long run.

As a credit card customer you need to be proactive with managing how much interest you're being charged. This will mean significant savings to you over the course of one to several years from now. Paying off charges quickly, making timely payments and working with your lender are some of the key methods to keeping interest rates down.


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SEATTLE - An elderly woman missing from Seattle reportedly has Alzheimer's and has only been living at her new address for a week. According to Seattle Police, 80-year-old Hideko Lee left her ...

Published:  Sun, 14 Oct 2018 18:02:00 GMT

NYPD searching for suspects in subway credit card thefts

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Published:  Sun, 14 Oct 2018 13:05:00 GMT

Purse thefts from restaurant result in fraudulent credit card charges: Westlake Police Blotter

WESTLAKE, Ohio --Thefts, Crocker Park: Police took a theft report Oct. 6 at Brio Restaurant. A customer had her purse slung over the back of a chair while she was eating. She walked out and forgot to ...

Published:  Sun, 14 Oct 2018 09:58:00 GMT

After Cyberattack, Utility Urges Customers To Replace Credit Cards

The water utility in San Angelo, TX, is urging customers who paid their water bill online during the summer months to immediately get a new card. "The City has received the results of a forensics inve...

Published:  Sun, 14 Oct 2018 23:45:00 GMT

How Fintech Companies Are Helping The Failing Credit Card Sector

Opinions expressed by Forbes Contributors are their own. A 2016 Bankrate study revealed that 67% of people under the age of 30 do not have a credit card, which is an interesting statistic in light of ...

Published:  Fri, 12 Oct 2018 06:02:00 GMT

Batavia pair charged for stealing credit cards from vehicles

BATAVIA, N.Y. (WROC-TV) - Two Batavia residents were arrested in the Village of Alexander on Saturday for stealing items from multiple vehicles. Genesee County Sheriff's deputies found 33-year-old Mit...

Published:  Sun, 14 Oct 2018 14:32:00 GMT

Have You Seen Him Man Uses Stolen Credit Card Taken In Burglary

SPRING, TX - The Harris County Precinct 4 Constables Office are looking for man who burglarized a car and used a stolen credit card at a nearby business. Deputies were called to a home in the ...

Published:  Sat, 13 Oct 2018 08:39:00 GMT

Al Salam offers rewards on its Visa credit cards

Al Salam Bank-Bahrain, a top Shari'a-compliant bank in the Kingdom, has launched a special rewards offer on its range of Visa Credit Cards from October 15 until December 14. Visa credit cardholders ca...

Published:  Sun, 14 Oct 2018 22:52:00 GMT

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