5 things to consider when applying for your first credit card

If you are applying for your first ever card, here are the top five things that will help make your decision easy.Paying off a personal loan or a home loan? It might not be a good idea to apply for a new card.

Financial institutions consider your credit rating to approve your application. Work around this by applying for cards that do not require a high score or, make regular payments to improve your rating.Essentially, when you buy an item using your card, you are making the purchase using the bank’s money. That is why you have to pay a certain interest, also called finance charge, for the borrowed amount.: Annual fees are applicable on high-value cards or to high-risk customers.

All that above is gimmick only. Listen to Tun M. Hutang is not good. Dont apply CC lor. The banks will turn your life like you are their slave. Be Free from the claws of the banks.

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