You need to ask some very vital questions before getting an airline miles credit card or any credit card so that you would not find your self in a financial mess.
The first question to ask yourself is this. Is A Credit Card Very Necessary For Me?
Some people have decided that the need a debit card instead of a credit card for a reason. The fact that credit card offers credit has made a slave out of many people. They are often tempted to exceed their budget. We can attest to the fact that the credit facility on credit cards have come in handy at times but the overall misuse of the card leads to sorrow.
If you can not pay your balance regularly, you may not be ready to get an airline miles credit card because the rates you would get on these cards are somewhat higher than what you would get from other credit cards. If you know that you can pay your balance promptly, then go ahead and get the airline miles credit card and enjoy all the benefits that are available. In this case, you would not be bothered about the interest rates since they won’t apply to you. You should just think of how to get a card that would serve you best .
Another question to ask is: Can I Afford To Pay The Annual Fees?
There is a lot of competition amongst credit card companies and they are all trying to draw more people to them.This has made a lot of them to give 0% rate as an opening offer. Some others give one year without annual fees. Do not be taken in by this. Make sure that you find out what the fees would be when promotional offer is over.
People who do a lot of traveling would not be remiss if they pay annual fees, this is so because they would accumulate air miles very fast and as such get rewards which would make up for the annual fees that they have to pay. Those who do not travel much however would need a longer time to get the minimum number of air miles required to get a free ticket. If the annual fees they would pay while waiting for the airline miles to get to the needed amount is so much, then the reward would not make any sense.
Understanding your traveling habits should help you make the right decision on the issue of the card to choose.
Another vital question to ask is this: Would A Bank Sponsored Credit Card Be Better Than An Airline Sponsored Credit card?
Every credit card is eventually issued by a bank. Some of them however are affiliated directly to a specific airline. The implication of this is that you air miles would only be redeemed at the airlines or from any other partner they may have. This would be a good option for people that fly constantly with a particular airline or if that is the nearest available airline.
Banks also have cards that are offered directly by them. These cards generally have more options of redeeming the air miles that qualify you for rewards. You are usually able to redeem your air miles with any airline or vendor of your choice. You would be compensated for the worth of the air miles you have accumulated, when you use the card for the transaction.
There are more question you can ask yourself before going for any card. If you are really convinced that you need an airline miles credit card, you have to take out time to look for all the options available and then decide on which one would be most suitable for you.
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