Finding and Applying for the Right Credit Card Offer Online

Anywhere you go online nowadays, you will see a multitude of ads for credit cards. Some offer low interest rate for an introductory period, or bonus frequent flyer miles while others offer real discounts on new vehicles and equipment. Trying to find one that suits your needs and lifestyle can be a little overwhelming.

Before you dive on in, ask yourself some key questions about your needs:

1. What is my credit history situation?

The first and foremost question when applying for a credit card is going to be your credit rating. Have you had credit opportunities in the past, and if so, how have you handled them? Did you pay off the balances with timely payments, or did you fall behind? These are situations that your rating will be based on, so plan ahead and you'll be able to get the best credit card offer that you deserve.

2. What are my plans for the credit card?

If you plan to use your new credit card instead of cash (which is possible in todays world), you might want to look for one with a low ongoing interest rate (APR). This way, in case you don't pay off the balance within the interest free grace period, you aren't taxed too heavily with interest fees on the balance.

Or, maybe you only want to use the card in emergencies or special situations. In this case, look for a credit offer without an annual fee or membership dues. This way, you can stash the credit card away and not have to worry about missing any recurring 'administrative' fees.

3. Can my lifestyle or hobbies benefit my credit card search?

There are many credit card issuers teaming up with retailers and other businesses in the service industry. The benefit to you is that you earn rebates and discounts towards merchandise, products and services with each use of these "rewards" type credit cards.

For instance, travelers and vacationers might want to get an airline reward credit card that rewards use of the card with frequent flyer miles to use towards free flights and other guest services, or maybe a student might want a credit card that offers free school merchandise and athletic gear.

4. Can I reduce any debts with my new credit card?

Many credit cards offer great balance transfer benefits that allow you to bring most balances over and pay a fixed, low APR until the balance is paid off. These are great because you can consolidate most bills into one payment, saving you alot of money in interest fees.

5. Should I get a copy of my credit report, and if so, should I be paying for it?

This is a big issue going on in the news today. Identity theft and inaccurate credit reporting is a hot button that is circulating around the media and today's society. Keeping tabs and consistently monitoring your credit report is a smart idea in preventing fraud.

There are many offers on the web to get a copy of your credit report for free. It's important to read all the information before signing up for anything and make certain to check the company that is issuing the offer. There are only 3 credit reporting agencies in the United States; Experian, Equifax and TransUnion. You can contact and order your credit report from each one individually ($), or go with a reputable company that will get all 3 for you in one report.

In conclusion, remember that part of finding the right credit card for you is analyzing the situation you're currently in. With so many credit offers out there, you're sure to find one that can improve your lifestyle or benefit you in other ways. Always read all the information involved and make sure that the website you're exchanging private information with has a secure certificate (the gold lock) located on the bottom of your browser window.

Good luck and happy hunting.

This articles was written by Gus Garcia, owner of, a free online service offering information about various credit card offers as well as links to credit card applications.

Click here to see all credit card offers available at

In The News:

pen paper and inkwell

cat break through

Errors on Your Credit Report: What You Should Do

There are times when you may be turned down for... Read More

Learn The Truth About Identity Theft

Identity theft is the fastest growing crime in America, according... Read More

Annual Credit Report and Free Annual Credit Report

Getting an annual credit report review has been the advice... Read More

Trying to Land a Job? Poor Credit Scores May Hurt Your Chances

Many employers are now looking at an applicant's credit report... Read More

Credit Help For Renters And Others On The Horizon

Sue is a homeowner and pays her mortgage and other... Read More

A Debt Mentality

While working through my own debt situation, and helping others... Read More

Bailiffs & Council Tax - Knowing What To Do

This article is about bailiffs who may call trying to... Read More

What Happens When Your Credit Is Damaged? Do You Have Recourse?

The good thing about bad credit is that you can... Read More

Good vs. Bad Credit Debt

Do you know the difference between good and bad credit... Read More

Four Tips How Homeowners Can Rebuild Their Life After a Foreclosure

Let's face it, if you are facing the possibilities of... Read More

How To Save Money On Credit Cards

Some credit cards offer a cash advance option. But how... Read More

Finding What is on Your Credit Report

A credit report is basically a file about you kept... Read More

Preventing Credit Card Mess

Credit card debts problem is extremely common today. It is... Read More

Clean Credit Report: Easily Raise Your Credit Score 100 points

Clean Credit Reports, your credit report contains information about where... Read More

How To Avoid Becoming A Victim of Identity Theft

With identity theft statistics currently at an all time high,... Read More

Online, Phone, U.S. Mail or In-Person: Where is Your Credit Card and Personal Identify Safest?

Identity theft is the fastest growing crime according to the... Read More

Maximizing Credit Card Rewards

In their quest to get you to sign up for... Read More

Credit Card Is Adding The Silver Lining To Your Pocket

In the new millennium plastic money or credit cards has... Read More

Building Your Credit History

Today, credit is an indispensable part of our lives. In... Read More

What Is A FICO Score?

A credit score is most commonly known as a FICO... Read More

Know Your Credit Card Rights

When you apply for a credit card, the application that... Read More

Making Sense of Credit Card Fees

In addition to the APR (annual percentage rate) and the... Read More

Getting Married? What Are The Finance and Credit Implications?

There is a big difference between looking after your own... Read More

Read and Understand Your Credit Card Statement

Have you ever looked at your credit card statement and... Read More

Learning the Disturbing Facts about Credit Card Debt

When I received my first credit card in the mail... Read More

What is a Credit Card?

A credit card allows you to buy things even though... Read More

My Credit Card Application Was Rejected! Now What?!?

No doubt, you've probably gotten literally hundreds of credit card... Read More

FREE Credit Report Offer - Careful, It Might Carry Hidden Charges

FREE credit checks or free credit reports. What are they... Read More

Credit Report Secrets: Do You Know What They Reveal?

If you've ever applied for a credit card or loan,... Read More

SuperCharged Secret 5, Credit Card Utopia

LIVING IN CREDIT CARD UTOPIALet's just take a brief moment... Read More

Bad Debt Recovery

Bad Debt IdentificationIdentifying bad debt is not as easy as... Read More

The Advantages of Credit Cards

There are many evils associated with credit cards, but there... Read More

Credit Reports ? Why Your Credit Score is Important

If you have never heard of a FICO score before,... Read More