If you need a free credit card for example for monthly shopping and paying a variety of monthly bills such as electricity, phone and water that are relatively fixed and you will pay in full each month, then this card is suitable for you, provided you must make sure to the credit card issuing bank that the interest calculation is made after the due date of the bill payment and not since the date of the transaction. If interest is calculated from the date of the transaction, then you still have to pay interest even if you pay the bill in full each month.
Credit Card with Low Interest Rate
Credit cards with lower interest rates are suitable for those of you who often pay bills in installments or pay the minimum amount. Although this type of credit card must charge an annual fee and usually does not offer many discount or cash back offers, if you have a fixed source of income and that is important enough to pay the bills each month, at least the minimum amount, then this low interest is a major determinant in choose this credit card.
One of the factors that can be taken into consideration in choosing the right credit card is discount or discount offer. For those of you who like to shop, look for credit cards that provide many discount offers, which is usually the result of cooperation of credit card issuing bank with a number of sellers or merchants. You can check the list of sellers who work with the credit card issuers you are considering, whether you shop frequently or discounted goods are items you really need