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[A21]A Credit Card For Bad Credit

by Matthew Kepnes, Mat

Everyone needs a credit card. There are several types of credit cards for travelers. Chances are you already have a credit card or seven right now. They are better than cash, especially when you can get so many rewards and freebies out of them. Travel credit cards provide a great opportunity to earn free points that can be redeemed for airfare, hotels or cold hard cash. But not all cards are created equally.

No matter what credit card you get, whether it is a hotel, airline, or general rewards cards, the card should offer all of the following things: First, you should get a huge sign bonus. Most travel credit cards offer joining bonuses of 20,000 or more rewards/miles/points. Don't join one that doesn't offer you anything or it will take a long time to exchange rewards for hotels, cash, or airfare.

Moreover, make sure you get a travel credit card where you have the chance to receive additional points. Most of the time you just get one point for every dollar spent. The good cards give you extra points when you shop at special retailers or, if it is a brand card, with that one brand. This lets you earn extra points.

Finally, don't forget to read the fine print. Are there are reward blackout dates, a fee structure, taxes, or other things the credit card company might try to sneak in there. Businesses don't give away anything for free so for most cards they will try to sneak in some service charge. Compare the cards to make sure you pick one that doesn't.

Remember that all good reward cards have fees. Fees are between $45-$80 dollars. If you are a frequent flier, you should think about getting a fee based card. These cards give you better rewards. You'll be able to get rewards faster, you get better access to services and special offers, and better fraud protection.

So which card should you get? A hotel card? A general points card? An airline card? To answer that question, think about how you travel. Are you loyal to one airline? If you are on the road for business a lot, then getting a hotel card would be perfect for you. For those who only care about price and not brand loyalty, a general card would be best. However, by getting a general travel rewards card you would have access to a wider range of brands and companies than if you had a brand specific card

If you are on the road for business a lot, then getting a hotel card, like the Starwood card, would be perfect for you. You would get a lot of hotel points, free nights stays, discounts at other retailers, and you could also transfer those points to airlines for free flights.

For those who only care about price and not brand loyalty, a general card would be best. You will still get points for free flights and discounts as well as cash back but you wouldn't get any of the elite benefits. However, by getting a general travel rewards card you would have access to a wider range of brands and companies than if you had a brand specific card.

No matter what you choose, be sure to get a card that is right for you. Do your research first and then choose the right travel card and start earning rewards get on the road quicker.

It really is very easy to recognize newly married couples. Even the ones that do not walk around like Siamese twins have a twinkle in their eyes and a glow on their faces that reveals them to us. Of course, once the honeymoon period is over, the issues of daily life have to be taken care of. Long hours at the office. Coming home to wash dirty utensils or cooking. Taking care of the monthly bills. Marriage is not like permanently being on cloud number nine! Just as married life has its ups, it also has its share of downs.

So if you are a newly married couple looking forward to sharing wedded bliss together, you should make sure that you learn to cope with the potential thorns in your relationship. And finances are one of those thorns.

If both of you are working, the question of who will pay the bills will arise. Be prepared for long-winded arguments over the size of the phone and electric bills. It is astonishing how many arguments begin and end over monetary issues. How do you minimize the occurrence of such arguments? Perhaps you should think about mechanisms such as that of the joint credit card.

How do you get hold of a joint credit card? It really is quite convenient. You could directly apply for a joint credit card. Alternatively, you would have to provide your spouse's details to the credit card company asking them to add him/her to current credit card account.

Sounds a lot like the joint bank account doesn't it? However, despite the similar nomenclature, joint credit cards are significantly different from joint bank accounts. Whereas in the case of the joint bank account, both signatories are held responsible for the debts that are incurred, in the case of a joint credit card, the original signatory is held accountable.

This is a good idea for those who are in a completely stable marriage. However, if you are the type that marries fifty or more times, my suggestion is that you steer clear from such an account. If you take the risk of bothering your spouse too much, you might just end up penniless, thanks to a revengeful shopping spree on his/her part.

As with everything, even a joint credit card is not free from its set of problems. Moreover, it is a big step to take. So you think you are ready to make such a commitment? Sharing a credit card with someone else is a huge bug deal. Make sure that you do not take such a major step unless you are absolutely prepared for it.

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Both Matthew Kepnes & Ajeet Khurana are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Matthew Kepnes has sinced written about articles on various topics from Credit Cards, Education and Travel and Leisure. Matthew has had and tried numerous travel credit cards. He writes extensively about travel for magazines and websites. You can find more about him and his advice at his website on. Matthew Kepnes's top article generates over 8100 views. to your Favourites.

Ajeet Khurana has sinced written about articles on various topics from Credit Cards, Home Improvement How to and Credit Cards. Ajeet Khurana recommends that you read: ,