Released on = April 4, 2007, 2:12 pm

Press Release Author = Art Taylor

Industry = Consumer Services

Press Release Summary = All over America, there are thousands of banks and credit
card issuers looking for your business. These days, banks and credit card issuers
are competing with each other trying everything they can to get your business. To
get your business, they offer many different credit cards with a variety of
incentives, rebates, and other bonuses.


Press Release Body = Before you select a credit card, you should compare what each
credit card company or bank has to offer. If you get a credit card offer through the
mail, you should go to the Internet and research the credit card offer more
completely. You should also read the fine print to see if there are any hidden fees
or other costs associated with the credit card offer. Quite often, with offers
through the mail, credit card companies, issuers or banks will try to sneak in
hidden fees and costs.

As you start to compare offers, make sure that you look at the APR (Annual
Percentage Rate) and the fees. The APR is very significant, as it will tell you your
credit card yearly interest rate. You will want to get the lowest APR available for
your credit card. If you find a credit card with an unusually high APR, you should
immediately bypass it. Credit cards with high APR rates can quickly lead you into
credit card debt. Even with good credit and income high APR rates can leave you with
credit card charges that are very difficult to pay.

Among the options available to you, you will find four primary choices for credit
cards - Visa, MasterCard, American Express and Discover. These four credit card
giants are the leaders. Visa and MasterCard do not issue their cards; they have
other companies issue credit cards on their behalf. American Express and Discover do
everything themselves. Both issue their credit cards, maintain their own networks,
and do not use any type of third party.

If you are big on international travel, you will want to choose either Visa or
MasterCard since they are accepted all over the world. American Express does not
have the acceptance level of Visa and MasterCard though the company is constantly
upgrading their networks. Soon, American Express will be accepted nearly
everywhere. As of now, American Express is not accepted in all areas of the world.

Discover is not as popular as the American Express, MasterCard and Visa. Discover
does have great benefits to offer in spite of the fact it is not accepted worldwide.
Many people who have Discover credit cards use them locally and in the event of an
emergency. If you do not have a credit card and have been thinking about selecting a
Discover card, you should also consider choosing either Visa or MasterCard for
worldwide spending.

There are many credit cards to choose from. The final decision on which card to
choose is entirely up to you. With there being quite a few great credit card
companies and banks out there, it is up to you to find the best credit card for your
personal needs. You can elect to go with a local company or bank, or select your
credit card from the internet. Using the internet is a great time-saving way to find
good credit card deals that will save you money on future spending.



Web Site = http://www.ecreditcardworld.info

Contact Details = Art Taylor
Unit 333
Boulder, Co. 80303
720-226-9436
http://www.ecreditcardworld.info/
Altayr19@yahoo.com