Who is the best rated credit card provider? How can one differentiate between which provider to choose?

Answer 1

I would say the one with the lowest interest rate but even that can be confusing after reading the bottom line (the tiny print).
Don't fall for all the introductory offers that sound too good to be true. Pay off the balance each month or you can end up in a financial hole in a hurry.

The best advice would be to go to your local bank and discuss credit cards with them. They should be able to give you good information.

Answer 2

HSBC: HSBC Finance Corporation concentrates on certain types of consumer lending with branch networks spreading throughout the US. HSBC Bank USA is a full service bank and has a strong presence in New York State. It also operates throughout the country, providing personal banking services and giving loans and credit cards.

HSBC credit cards are meant to fulfill all credit requirements with advanced services that are universally accepted. The rates are competitive and there are various types of benefits, perks and reward programs like cash back, travel rewards etc. Besides these deals, you can also enjoy the premium customer service.

Getting a HSBC credit card is quite easy. Applying for a HSBC credit card is a simple procedure that can be completed in a short time online.

Answer 3

Majority of credit card company brands you see out there are actually only a few major banks. It's really up to personal preference and the terms and conditions and how they suit you personally. Look out for your standard interest rate and your charges for any cash withdrawals, which also usually have a separate interest rate all together.

Credit cards are great as long as you pay most of the balance each month, don't go paying just that minimum payment else you will have the debt forever and you will just want to cut up your cards!

Answer 4

American Express is often regarded as the best for customer service, etc. Chase and Citibank are also quite good.

In general, the best strategy is to get the rewards credit card that will pay you the most for your normal spending, funnel most of your normal spending through it, and pay your balance in full each month.

That way you'll build credit, avoid interest, and earn maximal rewards.

A quick way to find the rewards card that will pay you the most for your normal spending profile is this rewards calculator:
http://www.creditcardtuneup.com/

That tool includes rewards card from American Express, Chase, and Citibank.

Answer 5

you might want to go here to compare them, http://www.bestcreditrates.net