be realistic...
what makes for a satisfying credit card? what is the most important thing to you: access to cash, good customer service, low rates, rewards programs, billing options?
name names if you like.
2006-07-06 03:31:43 · 14 answers · asked by patzky99 6 in Business & Finance ➔ Credit
Annual Percentage Rate (Lower is better) average 16 %
Default APR (Lower is better) average 18%
Grace Period : (More is better) Aerage 25 days
Annual Fee : No Annual fee is the best.
Minimum Finance Charge: Look for None.
Minimum Payment: (Average 2% to 3 %)
Cash Advance Fee: (Average 2% to 3% )
Late Payment Fee: Lower is better Average $20 - $35
Over Limit Fee : Lower is better Average $25 - $35
2006-07-15 05:01:40 · answer #1 · answered by Brooklyn 3 · 1⤊ 0⤋
Acceptability all over the world,no annual fees,low interest rates and great customer service 24/7
2006-07-16 13:07:25 · answer #2 · answered by Yakuza 7 · 0⤊ 0⤋
number 1 - low fixed rate apr, dont be fooled by introductory offers alone. also, that they aren't charging a yearly fee. for your own sake you may want to take into account late and overlimit fees also because sometimes they can really be killer... online billpay is also very convenient. customer service... eh, not unless I really feel like talking to a person, in which case I really hate it when I call to ask a question and they try to sell me something (Capital One)! Rewards programs are often not worth it since you end up more than paying for any reward you would get anyway, due to higher rates and larger fees.
2006-07-06 10:40:01 · answer #3 · answered by Mommy Dearest 3 · 0⤊ 0⤋
Low interest rate is the most important thing. The best thing of course is to not have any credit cards...they're evil :)
2006-07-14 07:48:31 · answer #4 · answered by ♥ Luveniar♫ 7 · 0⤊ 0⤋
Since I always plan on paying in full, here's what I look for:
1. No annual fee
2. Good rewards or cashback program
3. Outstanding customer service
4. Additional Service - rental car insurance, price protection, extended warantees etc.
2006-07-07 09:42:55 · answer #5 · answered by Anonymous · 0⤊ 0⤋
No annual fee, fixed low rate, reward program for purchases
2006-07-06 10:34:58 · answer #6 · answered by awaterfall4me 1 · 0⤊ 0⤋
Realistic,Patz? I'm more of a dreamer...
May I give you my answer,anyway?
A good credit card,for me,would have to:
Belong to me.
Allow me to give my family the good life they deserve and to travel,my biggest dreams.
After taking care of things at home,I'd go to the US,to be with my dear friends at the most important wedding of the year!;) :)
2006-07-06 14:14:23 · answer #7 · answered by Anonymous · 0⤊ 0⤋
low APR, no annual fee, good customer service
2006-07-06 10:34:58 · answer #8 · answered by Anonymous · 0⤊ 0⤋
low interest rates, lesser service fees, better exchange rates.
2006-07-06 10:35:47 · answer #9 · answered by san_pellegrino 4 · 0⤊ 0⤋
low rates
2006-07-06 10:35:41 · answer #10 · answered by Anonymous · 0⤊ 0⤋