Whether you are just starting out and have never had a card before, of if you are in the situation of needing to rebuild a good financial profile, the following tips emphasizing responsible card use may be helpful to you:

• Don`t give out your card number and expiration date over the telephone to anyone unless you have initiated the contact and you know you`re dealing with a reputable and legitimate company or business;
• You can save hundreds of dollars each year in lower interest charges by paying off your entire bill each month;
• Always pay on time and avoid those late payment fees and over-the-limit fees;
• Mail you payment at least 8 days before it is due, or call in your payment if that option is available to you - better yet, set up automatic payments online if possible
• When going out to your local shopping mall, only carry with you the plastic you anticipate you will need;
• Avoid making impulse purchases;
• Don`t be a victim of fraud - save your receipts and compare your monthly statement against those receipts - better yet, set up email alerts to let you know usage and your daily balance.

Remember that there is more to finding the best financial tool than just looking at the lowest interest rates. You will need to define your particular spending style to know which of our picks may best suit your individual needs.   Although you may be limited somewhat if you have a poor or problem financial history, you should still keep in mind what your eventual goals are once you have improved your situation.  Do you usually pay off your balance every month?  If so, then you may not be as concerned with the percentage rate as you might be otherwise.  Do you usually carry a balance from month to month?  Then, of course, looking closely at the best possible interest rate is important.  Consider annual fees, if any, and associated fees that you may encounter.  Answers to these questions will help you determine what card is best.   Make your selection carefully and be sure to make timely payments to assure a good financial future.

Be sure to read the terms and conditions of any offer before submitting your online application.

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