We've all been there - you need a new credit card. But where do you start? Credit cards are a dime a dozen these days, with seemingly endless reward programs, points systems, and incentives - it can be hard to keep track of them all!

Don't worry - we've got you covered. Read on to learn the things to consider when picking a credit card.

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(The reason we ask is that spending habits tend to differ between genders.)

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Focus On APR

The first thing you'll want to consider is the APR (annual percentage rate). Every credit card has an annual percentage rate attached to it; this is the amount of interest that will accrue if you don't pay your balance in full each month. The higher the APR, the more expensive your purchases will be over time, so it's important to find one that won't break the bank.

Rewards

Another thing to think about is reward programs. Many credit cards offer reward points or cashback for purchases made with them, which can add up quickly if used correctly. However, some reward programs come with restrictions or expiration dates, so it's important to read the fine print before signing up.

Customer Service

Finally, make sure you understand what kind of customer service your chosen credit card provides. Does it offer 24/7 customer support? Does it have an online chat feature? Are there any fees associated with late payments or foreign transactions? Knowing these answers can help you avoid any unpleasant surprises down the line and ensure that your money is being handled responsibly.

Choosing a credit card can seem overwhelming at first glance — but it doesn't have to be! With a little research and due diligence, you can find one that fits your needs perfectly without breaking the bank or sacrificing peace of mind. Remember to consider APRs, reward programs, and customer service policies before signing up for anything; doing so will save you time and money in the long run! Good luck!

Credit Card Shopping: What You Need to Know