{"id":544,"date":"2019-04-15T12:18:00","date_gmt":"2019-04-15T12:18:00","guid":{"rendered":"http:\/\/oconnorportfoliomanagement.com\/?p=544"},"modified":"2019-05-26T15:45:11","modified_gmt":"2019-05-26T15:45:11","slug":"financial-management-choosing-the-best-credit-cards","status":"publish","type":"post","link":"https:\/\/oconnorportfoliomanagement.com\/?p=544","title":{"rendered":"Financial Management: Choosing the Best Credit Cards"},"content":{"rendered":"<p>Financial management is tough, especially if you\u2019re doing it on your own. How do you balance debts, bills, and savings? How do you know which financial decision is a good one? One of the biggest topics of discussion when it comes to financial management is credit cards. How do you choose the right credit card? Let\u2019s take a closer look.<\/p>\r\n<h2>4 Steps to Pick the Right Credit Card for Better Financial Management<\/h2>\r\n<p>With a variety of options available and great marketing tactics by credit card companies, picking a credit card can be overwhelming. It\u2019s particularly important to look past those attractive bonus offers and pick a credit card that works best for you. That\u2019s why we\u2019re offering up some easy steps to help you make the right choice. Here you go!<\/p>\r\n<h2>1.Review Your Credit<\/h2>\r\n<p>Before you make any decisions, it\u2019s important you take a look at your current credit score. While there may be a bunch of different credit card options to choose from, they all have one thing in common. It\u2019s necessary for any lender to check your credit before they decide whether or not you qualify for an account.<\/p>\r\n\r\n<p>In addition to approval, your credit score will determine the terms of your account. Things like APR and credit limit rely heavily on your current credit history and your past activity with loans and credit cards. Remember, you don\u2019t have just one credit report, you have three! So, you likely won\u2019t know which credit report the lender plans to pull. That\u2019s why you should be aware of all three reports and scores before you apply for any type of financing or credit card.<\/p>\r\n\r\n<p>The great news about reviewing your credit is that you can get a free credit report annually. While there are also several free companies that allow you to track your credit score, the Fair Credit Reporting Act requires you have access to a full report once a year. You can get access to your annual credit reports from all three credit bureaus <a href=\"https:\/\/www.annualcreditreport.com\/index.action\">here<\/a>.<\/p>\r\n\r\n<p>Once you have access to your reports, take some time to review them. Check them over thoroughly to identify any potential errors. Issues with your credit report can lower your scores and keep you from getting the approvals, limits, and interest rates you deserve. Dispute any mistakes you find with the credit bureaus.<\/p>\r\n<h2>2.Determine Your Qualification Odds<\/h2>\r\n<p>Now that you know what your score is, it should be easy to tell if you at least fall within the range of good qualification odds. Most credit card companies offer insight as to who will qualify for their cards. Based on our credit score, you can choose cards for people who fall within the following categories:<\/p>\r\n<p><ul>\r\n \t<li>No credit or bad credit<\/li>\r\n \t<li>Fair credit<\/li>\r\n \t<li>Good credit<\/li>\r\n \t<li>Excellent credit<\/li>\r\n<\/ul>\r\n<\/p>\r\n<p>Lenders generally classify credit scores in the following way:\r\n<ul>\r\n \t<li><strong>300-650<\/strong>&#8211; No Credit or Bad Credit<\/li>\r\n \t<li><strong>651-700<\/strong>&#8211; Fair Credit<\/li>\r\n \t<li><strong>701-759<\/strong>&#8211; Good Credit<\/li>\r\n \t<li><strong>760+<\/strong>&#8211; Excellent Credit<\/li>\r\n<\/ul>\r\n<\/p>\r\n<p>If you fall into the no or bad credit category, it\u2019s probably best to focus on getting out of debt and building your credit gradually than trying to apply for additional cards. You certainly don\u2019t want to throw out a Hail Mary and apply for a card that requires good credit for approval. Additionally, if you have excellent credit, you don\u2019t want to waste your time applying for offers that don\u2019t bring any value to you.<\/p>\r\n\r\n<p>If you\u2019re uncertain about how you may rank with a lender, call them and discuss your credit. Ask what it typically takes to get approved for their cards. Remember, every lender reviews your application differently. But your credit score isn\u2019t the only thing that holds weight when it comes to approval. The only way to truly find out if you will qualify is if you apply. But it\u2019s good to have an idea of your odds before you waste your time.<\/p>\r\n<h2>3.\u00a0Explore Credit Card Features<\/h2>\r\n<p>While financial management should be at the top of your list when choosing a credit card, the features of your card will matter as well. Explore the different types of cards available. Narrow down the types of card that present good approval odds for your current credit situation. Then decide what features of these cards will work best for you.<\/p>\r\n\r\n<p>Here\u2019s a breakdown of the common credit card features based on the type of credit you have. Check out your options and see which will work best for your current situation. Which card gives you the best financial management options and offers features that meet your needs?<\/p>\r\n<h2>No Credit or Bad Credit<\/h2>\r\n<p>If you have no credit or bad credit, you shouldn\u2019t feel like you\u2019re stuck. The good news is that plenty of people have dealt with bad credit and worked their way out of it. The key to growth is following the right steps to rebuild yourself. When your credit history is bad, you need to focus on re-establishing yourself. You can take one step towards that direction by finding a credit card that will help you establish credit.<\/p>\r\n\r\n<p>Keep in mind that it may be difficult to find a lender who wants to work with you. If your credit history is bad, you may present as a risk to lenders. But, there are lenders that offer cards to people with damaged credit. The options you\u2019ll have are:<\/p>\r\n<p>\r\n<ul>\r\n \t<li><strong><a href=\"https:\/\/www.creditcards.com\/secured\/\">Secured credit cards<\/a><\/strong> that require you to make a security deposit with the bank. The deposit will be equal to your starting credit limit. It\u2019s basically like an insurance for the lender. If you fail to meet your financial obligations, the lender will keep your deposit. As time passes, the lender may increase your credit limit and eventually return your security deposit.<\/li>\r\n \t<li><strong>Subprime credit cards<\/strong> can be secured or unsecured. They as often advertised as student cards or marketed to people who have yet to establish any credit. These are usually best for people just starting out. If you\u2019re establishing your credit from scratch, this can be a good option. The secured version may be the right choice for those looking to re-establish their credit.<\/li>\r\n<\/ul>\r\n<\/p>\r\n<p>Both of these credit card accounts are likely to have high interest rates, additional fees, and lower limit thresholds. The return on this is that they can easily help you establish your credit and build a better score. They\u2019re the stepping stone to better credit card options.<\/p>\r\n<h2>Fair Credit<\/h2>\r\n<p>Although you may think that fair credit limits your possibilities, you will notice that you have more options than you think. Obviously, you won\u2019t qualify for higher level rewards cards just yet. But, you can benefit from lower APR while you continue to build better credit. If you\u2019re able to pay off your credit card balance each month, this will be even better. You will be on track to better rewards cards and lower APR before you know it. The key is consistency.<\/p>\r\n<h2>Good Credit<\/h2>\r\n<p>No to the good stuff! Good credit ratings open the door to cards with attractive features and rewards. Some popular options for individuals with good credit include:<\/p>\r\n<p><ul>\r\n \t<li><strong>Travel rewards cards<\/strong> that give you points or rewards that can be used for future travel. Points build up every time you make a purchase. Since there are a lot of travel rewards cards available, do some research to find which offers the biggest rewards.<\/li>\r\n \t<li><strong>Cashback rewards<\/strong> work in a similar way. They usually give you a % back for the amount you charge each month. These are a great option because you can find ones with no annual fee. It\u2019s a win-win!<\/li>\r\n \t<li><strong>Balance transfer cards<\/strong> can help you transfer outstanding balances from higher percentage rate cards. The lower percentage rate will help you save money and boost your score.<\/li>\r\n \t<li><strong>Low-APR cards<\/strong> don\u2019t necessarily give you anything back. They are a huge benefit to individuals who carry a balance each month. They\u2019ll save you money on expensive interest fees.<\/li>\r\n<\/ul>\r\n<\/p>\r\n<p>Once you decide the best option for financial management, have fun with these cards. You\u2019ve got good credit and you\u2019ve earned the benefits of that! Therefore, you can find credit cards that offer features that fit into your lifestyle.<\/p>\r\n<h2>Excellent Credit<\/h2>\r\n<p>Earning excellent credit takes hard work. If you fall into this category, congratulations! You\u2019ll find that lenders will want you as a customer. You\u2019re reliable and consistent! This gives you the chance to benefit from the most attractive rewards, sign-up bonuses, and interest rates the industry has to offer. Some cards offer 0% interest for a period of time. Others offer upfront cash bonuses just for signing up.<\/p>\r\n\r\n<p>Have fun picking a card. But be sure you check the fine print before you commit. Keep a close eye on APR rates and annual fees. If the benefits outweigh an annual fee, then go for it! If not, keep searching!<\/p>\r\n<h2>4.\u00a0Go Apply<\/h2>\r\n<p>Now that you\u2019ve taken all the steps to prepare yourself, it\u2019s time to apply! The only way you\u2019ll know if you\u2019re approved is if you do this. If you get denied, don\u2019t lose hope. You can always call the credit card issuer and ask them to reconsider. Or you can find ways to improve your credit, try again in the future, or find another card you will be more likely to get approved for.<\/p>\r\n\r\n<p>Now that you know what it takes to get the best financial management option for your family or business, it\u2019s important to manage your credit card like a pro. Make your account work for you. Take advantage of the benefits and use your new credit card to help you build stronger credit. Don\u2019t drive yourself into debt, pay your bills late, and bring your credit down now that you have your new card.<\/p>\r\n\r\n<p>If you\u2019re looking for guidance to find out which credit card option will be best for you and your future, consider talking to a financial management professional. They can help you make better decisions and set yourself up for increased success. Invest in yourself now and you\u2019ll invest in your future!<\/p>\r\n<p>For <a href=\"http:\/\/oconnorportfoliomanagement.com\/financial-planning-consulting\/\">more information<\/a> on how to build your credit and make smart financial management decisions, visit our office locations in Los Angeles, CA and Tampa, FL. Give us a call at 888-641-4208 for assistance.<\/p>","protected":false},"excerpt":{"rendered":"<p>Financial management is tough, especially if you\u2019re doing it on your own. How do you balance debts, bills, and savings? How do you know which financial decision is a good one? One of the biggest topics of discussion when it comes to financial management is credit cards. How do you choose the right credit card? &hellip; <\/p>\n<div class=\"read-more-btn\"><a href=\"https:\/\/oconnorportfoliomanagement.com\/?p=544\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">Financial Management: Choosing the Best Credit Cards<\/span> <span class=\"meta-nav\">&rarr;<\/span><\/a><\/div>\n","protected":false},"author":3,"featured_media":545,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15,11],"tags":[18,17,16],"class_list":["post-544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-financial-planning","tag-applying-for-credit","tag-choosing-the-right-credit-card","tag-credit-card-options"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Financial management takes a lot of work if you want to do it right. 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