If you want to get your first credit card, but you aren’t sure which one to get, don’t panic. Credit cards aren’t nearly as complicated to understand as you might think. The tips in this article can help you to figure out what you need to know, in order to sign up for a credit card.

Don’t fall for the introductory rates on credit cards when opening a new one. Be sure to ask the creditor what the rate will go up to after, the introductory rate expires. Sometimes, the APR can go up to 20-30% on some cards, an interest rate you definitely don’t want to be paying once your introductory rate goes away.

In order to maintain a high credit card, ensure you are paying off your card payment on the day that it’s due. Paying bills late can harm your credit, and cost a lot of money. One of the best ways to save you both time and money is to set up automatic payments.

To make the best decision regarding the best credit card for you, compare what the interest rate is amongst several credit card options. If a card has a high-interest rate, it means that you will pay a higher interest expense on your card’s unpaid balance, which can be a real burden on your wallet.

Make friends with your credit card issuer. Most major credit card issuers have a Facebook page. They might offer perks for those that “friend” them. They also use the forum to address customer complaints, so it is to your advantage to add your credit card company to your friend list. This applies, even if you don’t like them very much!

Emergency, business or travel purposes, is all that a credit card should really be used for. You want to keep credit open for the times when you need it most, not when purchasing luxury items. You never know when an emergency will crop up, so it is best that you are prepared.

Be smart with how you use your credit. Many people are in debt, due to taking on more credit than they can manage or else, they haven’t used their credit responsibly. Do not apply for any more cards unless you need to and do not charge any more than you can afford.

Always monitor adjustments to card terms and conditions. Often, card companies change these terms without informing people. In many cases, the changes that you should really know about are buried deep in legal jargon. Read each line to see how you will be affected by these changes.

Credit cards are a lot simpler than you thought, aren’t they? Now that you’ve learned the basics of getting a credit card, you’re ready to sign up for your first card. Have fun making responsible purchases and watching your credit score begin to soar! Remember that you can always reread this article if you need extra help figuring out which credit card to get. Now you can go and get your card. For more information on click here: http://www.bestfinanceideas.com