BANGALORE:  Nowadays credit cards or “plastic money” has become popular among the people. When it comes to making payments and getting advantages of various zero percent finance schemes, one gets tempted to have a credit card. The best part about credit cards is that they are handy and you don’t have to carry a huge amount of money in your pocket. So, if you are planning to get a credit card for yourself then there are certain things to remember before you shop for a credit card. And the below listed points can be taken into considerations while looking out for a credit card.

1. Make a plan on how to use a card: Ask yourself, why you need a credit card? Is it to make some emergency payments when you don’t have sufficient cash or for using the credit card for all possible payment options or just because it comes with many offers? If you are buying a credit card for your emergency requirements then go for the cards which have less add-ons and lower interest rates, so that you are not attracted to any offers that comes along with the card. But if your mission is towards getting rewards, then check what kind of rewards the card offers and most importantly check whether it suits your budget. It’s advisable to think twice about your purpose before getting the card.

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