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SpinDistribute.com Article Directory

The following article was published in our article directory on December 10, 2011.
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Credit Card Application: Function Rather than Form

Article Category: Finances

Author Name: chickie maxwell

In an ongoing Internet survey which inquires about the most intelligent credit card stance users made, almost 50% of the respondents declared that they opted for rewards cards and made a killing by making the most out of the benefits. Some credit card closed some of their accounts and just retained only one or two, while others simply chose secure credit cards or went for a balance transfer.

Do not take this article as an endorsement for rewards cards, because this is definitely not an endorsement write-up. In fact, some people really find reward cards beneficial because the card features match their needs. The same thing goes for the rest of the respondents who selected other options - the best credit card is one which fits their lifestyle and thus, the primary determinant is function rather than form .

For people contemplating to make a credit card application for the first time, or for those having second thoughts about going or not going for their second, third or nth credit card application, it would not hurt if you read on. Shopping for that great credit card online is only half of the job, since the other half needs matching the features versus your actual needs. A good analogy is that you do not need to shop and get a pump booster if you do not have a pump.

Let us zero in on rewards credit cards or simply, rewards cards. These cards exude some kind of magnetic appeal for credit card users since they are designed to pay back its users a certain percentage of their purchases every time the card is used. Rewards are awarded in terms of cash, travel discounts, and certain specified services, etc. Rewards cards are generally given somewhat literal names based on their function, and a few of these reward cards are described below:

Cash back cards. These cards offer cash rewards based on the percentage of credit purchases charged on the card. Reward percentage varies among banks and the type of items purchased. Make sure that you fill in the credit card application form for a cash back card with the higher percentage back offer for the item that you tend to purchase more often, such as groceries.

Gas cards. These cards offer rebates on gas purchases charged on the credit card. Shell is acclaimed as the first gas company to introduce the gas rebate concept in 1992 at 5%. Today, the major gas companies also honor gas cards. Gas cards are a great alternative for people who travel often, especially those whose line of work requires them to travel frequently.

Point cards. As the name suggests, a point card allows the credit card owner to stash points from their card purchases other than gas or travel-related payments. Points may be redeemed for items such as merchandize, gift cards, and other gift items. Point cards are best suited for people who purchase a wide variety of items using their credit card, particularly those who love collectibles.

Travel cards. These cards are best for people who travel frequently since travel credit owners receive reward points that can be exchanged for paying part of their airplane fare, cruise fare, or hotel accommodation charges.

With the emergence of various types of credit cards in the financial scene, prospective applicants may be overwhelmed by the assortment of cards and the added benefits . The basic guideline, however, is simple: take what you need. When you are ready to file your credit card application, always remember function precedes form as a matter of priority.

Keywords: credit card application

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