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How to Choose the Right Credit Card

Carrying cash is not always the best option when you're traveling, and you may need an alternative to using your debit card. A credit card is often a helpful option. Compared with debit cards, credit cards are:

• Accepted in more places
• Have fraud liability protection built-in
• A great way to build your credit score, if used responsibly

Make sure you get a credit card that gives you the features you want while paying as little as possible for them. When shopping for a credit card, look for:

No annual fee: Watch out for fees that can be charged automatically to your card. Find a card with no annual fee or call to see if the card you're considering will waive the fee.

Rewards: Rewards offer a great way for you to earn cash back, points for credits towards future purchases, or discounts on purchases you already make every day.

Low fees: Look for two factors: grace periods and the annual percentage rate (APR). Make sure the card you're considering offers a grace period between your charge and the interest accumulation of 28 to 30 days. Average APRs are usually between 13% and 24%, so look for a low APR. Avoid interest by paying your credit card off in full each month.

If you’re considering a credit card, check out our Diamond Rewards Visa® Credit Card to see if it’s the right credit card for you.

Source: Copyright Credit Union National Association Inc.


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