It is because of my credit history is prefect good and my credit card company has upgraded my classic credit card to gold credit card. Apart from the credit limit is increased, this gold card has offers many good benefits for me.
If you don’t have Credit Card and thinking to apply your first credit card, you need to know several steps and tips when you choose your first credit card. The first step is that you have to look for a card that has good benefits like promotion interest rate, no annual free, no bank charges and etc. After that, you have to ask if there are charges and annual fee for the credit card. You can try to ask them waive the charges and annual fee later if your credit history is good. If you don’t do that, you just cancel your credit card and stop using it, and look for another new credit card.
When you use credit card, you have to check the interest rate in order to avoid paying interest, this is because some cards charge interest from the date of purchase, some cards charge interest from the billing date. Lastly, you need to find out if the card offers a standard monthly billing cycle as some cards expect a payment every two weeks.
The above are those things that you want to know when you want to apply your first credit card, please take note!
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