Spending pattern

You must choose a card depending on your spending behaviour. There are various loyalty schemes offered by banks time to time which can provide you a great deal of benefits over your cards. For instance, if you are a frequent flyer then a card co-branded by airlines would look very useful in your case. As the holder of this card at times is sponsored free air ticket after he make a certain number of air travel in a month. The benefit gained on this card is higher than its cost.

Ability to identify basket of benefits provided on different cards

You would hardly find one single card that provides you all the benefits rolled in one, so many credit card holders usually subscribe to two or three cards to access the basket of benefits that they are looking for and use them sensibly to maximize their gains. If you are a responsible customer, subscribing to couple of cards can prove to be a smarter option.

Recognizing the downside of more credit cards

Having four to five credits cards would become extremely difficult to manage even if your consider yourself to be a responsible spender. You should recognize of downsides of having too many credit cards.Tracking payment dates accurately on multiple cards can be terrible.Forgetting which would result in non-payment hence it will accumulate unwelcome penal fees and interest. Use credit cards which give you an option to pay online through any bank account.

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