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Credit Card Offers 101

Written by Kathleen Gagne
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It may sound funny to you, but I was raised to avoid credit cards. When I was very young, my parents landed in some serious credit card debt. After that, nearly every day, they drilled into my head their 100 reasons never to say "yes" to a credit card offer.

Mom and Dad love me, but they were really on the wrong track when it comes to credit cards. They never understood that learning how to manage credit is an important skill in today's world. It was something they never learned, and I almost went down the same road.

Great Credit Card Deals

In today's credit market, there are some great deals including bonus offers, rebates, and things like sky miles or earning money towards a car. I'm not exactly sure when, but, at some point, I decided to give credit a try. I did some research right at the beginning and learned how to manage the cards so that they were as inexpensive as possible and so that I was able to earn bonus points.

I discovered that, when used correctly, credit cards are a wonderful way to make the best use of my money. Having a credit card can give you buying power when you need it. If you understand that credit cards should not be used to purchase anything and everything you happen to want, and if you limit your "fun" purchases appropriately, you will soon find that you are in control of your finances.

Credit Card Offers 101

Check your mailbox on any given day, and I bet you'll find at least one credit card offer. For a long time, I viewed these offers as junk mail, but that's not always the case. If the right offer comes along, it makes sense to take advantage of it. After all, if you want to rent a car you need a credit card; if you want to stay at most hotels, you need a credit card; if you need emergency car repairs, you need a credit card; or if you want to buy something off the Internet, you will need a credit card.

Let's face it: all of those offers are not unreasonable. You can find a card that will give you the freedom and peace of mind you want, knowing that you have access to cash or credit if you need it. That's a comforting thought, especially if you drive an older car. Credit cards can be a great advantage if they are used wisely, and the trick is to know exactly what that means.

The Credit Card Offers Lessons

So, here's the first lesson in Credit Card Offers 101. You can find credit card offers almost anywhere. Certainly the most ubiquitous place they appear is in your mailbox, but they're elsewhere as well. You might be called by a phone solicitor pushing one company's credit card, or an email pushing another. But how do you sort through all the credit cards to find the right ones? After all, my parents did have a point: too many credit cards, or the wrong credit cards, can lead you down a dangerous financial road. How can you compare all the offers out there and find the ones that will work best for you?

The answer is credit cards and the Internet. In my opinion, the best place to go for credit cards is the Internet. And no, I don't mean replying to the 101 spam emails you get every week. We're talking about legitimate websites that allow you to compare and contrast credit card offers. These days, credit card companies are very competitive, and they're getting creative in the ways they reward their customers. Do some online research and find the best card for your money.

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