Choosing Your Credit Card选择你的信用卡

Written by Frank Noble   所写坦诚高尚

Tuesday, 29 August 2006周二,2006年8月29日

As you probably already know, there are many credit cards out there.  The one you choose however, should reflect your lifestyle and your ideal spending amounts.  If you are looking for the best possible deal and the best company for your credit card, you’ll obviously need to look around at what you have to choose from and what works best for you.正如你可能已经知道,有很多信用卡在那里.一,你选择,但应该反映你的生活和理想,你的消费金额.如果你正在寻找最佳的交易和最佳公司为你的信用卡,您显然需要回头看你要选择什么工作最适合你. The first thing you’ll need to decide when choosing your credit card, is why you need one in the first place.  Some people choose to get a credit card for cash flow purposes.  With a credit card, you can make purchases and buy things, leaving your paycheck or other source of income in your bank account to draw interest.  This way, your money will continue to grow while you continue to buy the things you need.  Then at the end of the month, simply pay your bill.首先,你需要决定何时选择你的信用卡,所以你需要一个在首位.有些人选择领取一笔信用卡上的现金流量用途.用信用卡,你可以购买和买东西,离开你的薪资或其他收入来源,在你的银行帐户中汲取利益.这样,你的钱会继续增长,而你继续来买东西,你需要的人.然后在年底本月,只是支付帐单. Others will choose to get a credit card and use it for instant cash purposes.  This way, they can use their credit card at an ATM and get instant cash, which is great for travel or going on a long and extended vacation.  If this is why you want a credit card, you should look for one that has the lowest rate possible for instant cash transactions.别人会选择领取了信用卡,并利用它来即时现金用途.这样,他们可以利用自己的信用卡在自动柜员机,并即时取得现金,这是伟大的旅行,还是一个长期,延长休假.如果是这样,你为什么要信用卡,你应该找一个有最低利率可能速食现金交易. With a credit card, you’ll also need to think about the payments.  You’ll need to decide if you want to pay the balance in full each month, or only the required amount.  When you select your credit card, you should look at the introductory rates, balance transfer rates, and other offers that may apply to new credit cards and new holders.  Some will offer you truly amazing deals, especially if you have good credit.用信用卡,你还需要想一想付款.你需要决定如果你想付出平衡充分每个月还是只所需的数额.当你选择你的信用卡,你应该看看介绍率,资产负债率,转移,和其他优惠,可申请新的信用卡,新的持有人.有些会给你了不起的交易,尤其是如果你有良好的信用. Another important area to look at when choosing your credit card is the incentives.  There are several cards out there that will give you incentives, such as reward points and even cash back with purchases that you can use towards paying back what you owe.  There are several incentives out there with credit cards, all you have to do is look around and compare.另一个重要的方面来看,当选择你的信用卡是诱因.有几个卡列有这将会给你奖励,如悬赏点,甚至现金回馈购买,您可以用它实现回馈什么,你欠.有几个诱因列有信用卡,你所要做的是回头与比较. The key area you’ll need to look at and compare is the APR (Annual Percentage Rate).  The APR is what you will pay on what you purchase when the incentive period runs out.  APR rates will vary among credit cards, so it is always in your best interest to compare and shop around.  The lower APR rate you get, the better off you’ll be.关键领域,你需要看和比较的是日电(年利率).爱国是什么你会付出什么,你购买时的激励期失控.电费率将有所不同信用卡,因此,它总是在你最感兴趣的比较和货比三家.低电率,你得到的,较佳您会. Another concern with choosing your credit card is the minimum payment amount.  Most minimum payment balances will start around 3%, although some can be lower while others tend to be quite a bit higher.  The interest free period is a concern as well, as you will obviously want to choose the longest period that you can keep the payments down.另一个关注您选择信用卡缴付最低还款额.最起码的国际收支将开始为3%左右,虽然有些可以较低,而别人往往是相当高.免息期是一个关切,你当然希望选择最长的,你可以随时支付. When you make that final decision and choose your credit card, you should always make sure that you know exactly what you are getting.当你作最后决定,并选择你的信用卡,你应该随时让你知道究竟你是虞. Credit cards are great to have, although they can lead to a downfall if you don’t choose them carefully.  If you put some time and research into choosing your credit card, you’ll find the best one for you.  As long as you take care of your credit card and pay the bill on time, you’ll help raise your credit and eventually be able to purchase even bigger things - such as a car or even a house.信用卡是非常具有虽然它们能导致一种堕落,如果你不选择他们小心.如果你把一些时间和研究选择到你的信用卡,你找到最适合你.只要你照顾你的信用卡支付草案时,您帮助提高你的信用,终于能够购买更多的东西,如汽车或甚至房子.

 

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