Have you ever signed up for a credit card because they gave you a freebie? Whenever I go to a Jazz game, there is always a certain credit card company giving away a free Jazz hat or basketball -- stuff that makes you think...I want one of those! I see multiple individuals busy filling out the credit card application. Is it really about the credit card or the is it about the instant gratification of the prize?
Acquiring a credit card is a financial decision that should not be taken lightly. Do not make these choices under pressured circumstances.
When choosing a credit card always be mindful of the following:
* Interest Rate
* Annual Fees
* Annual Fees
* Benefits (rewards, cash back etc.)
* Late fees
* Check the fine print
For a great credit card, make sure to visit http://www.americafirst.com/ . And give up the freebies -- they will find a place in the closet or garage -- and you will be paying for it with the high interest rate on a card you never wanted in the first place!
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1 comment:
You are absolutely right! Many people do take these financial decisions too lightly. That being said, we as credit unions need to market our services, especially credit cards, in a manner than makes them attractive for our members...even if it means a few gimmick offers. The member will be better off by getting a credit union card than a card from a bank at the Jazz games!
By the way, great photo cards!
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