© Copyright 2004-2013 Niche Topics ™ All rights reserved  Terms & Conditions | About us | Sitemap  

 

SIGN UP for our free newsletter

Share |

  LATEST posts

All things that are written on this website are about our experiences and what have worked for us, or general information only. We are not telling you to do any of those things mentioned and we do not endorse any products found on these pages. We simply want to share with you what has helped us. Hope that you enjoy reading our posts and please come back regularly to read more!

 

   Contact Us   Advertise   Freebies   Share Ideas & Recipes |

 

  POPULAR articles

 

 

 

                                                                                                                                                                                                             

Home Money & Lifestyle Food & Drinks Health & Fitness Beauty & Wellness Pregnancy & Kids

 

 

 

 

  QUICK links

Insurance tips and tricks

Debt reduction and loans

Green cleaning and household tips

Personal empowerment and self improvement

Relationship building skills

Shopping tips, tricks and tweaks

Home
About Niche Topics

Niche Topics (Money and Lifestyle) is about helping you manage your finances so that you live comfortably within your means. We share frugal living ideas such as save money around the house, cheap to make recipes, budget-friendly solutions for everyday living, recycling crafts, helpful hints to buy things without getting burned, and many more!

4 Easy Ways to Remove Shoe Odor and Sweat Stains

 

10 Unusual Alternative Uses for Baby Oil

 

5 Surefire Ways to Keep Your Grocery Bill Low

 

What Are Soap Nuts?

 

How to Get Rid of Cockroaches Naturally

The Rainforest Site

Which Is the Best Credit Card for You

 

 

By Robert Banks

 

Before you apply for a credit card, it is wise to learn about the different types of credit card that exist today to make sure you're choosing a credit card that's best for you. Not all credit cards work the same way; some are suitable for individual users while others are geared towards small businesses. So, let's find out more on the various types of credit card out there and what different features they offer?

What Is the Best Credit Card to Get?

 

Business Credit Cards

As the name suggests, a business credit card is designed specifically for business use. They help business owners to keep business and personal spending separate.

 

Quite often the business credit card will be issued in the name of the business, allowing several card holders to use the account which makes it especially useful for fuel payments if your company has it’s own vehicles.

 

In addition, a business credit card may offer some incentives, economy and rewards to the businesses which possibly will facilitate the business beyond what simple cash could achieve.

 

 

Student Credit Cards

Many financial institutions or banks offer credit cards to students. Students can qualify for these credit cards without an established credit rating and generally speaking, student credit cards may have credit limits so as to keep the student's spending in check.

 

If used responsibly, a student can make the first step towards building a solid credit history. Many also offer extra benefits such as cash back or bookstore discounts. However, some companies charge higher interest rates for students.

 

 

Prepaid Debit Cards

A prepaid debit card is not a credit card but is used like one. Unlike a credit card, you can spend only a limited amount of money.

 

The advantage of a prepaid debit card is that your credit limit is dependent upon the money you have it in your debit card issuing bank account and thus recommended for people who are bad money managers.

 

Getting a prepaid debit card is relatively easier than a standard credit card. As most prepaid cards charge fees, including monthly fees, application fees, over-the-limit fees, cashpoint withdrawal fees and more, always make sure to thoroughly check the terms before applying.

 

 

Cards for Bad Credit

If your credit score is less than stellar, it is still possible to get a credit card. There are various options available to people who have had bad credit in the past and for those who are currently trying to work on their credit score.

 

Depending on your specific situation, debt consolidation or use of introductory APRs (Annual Percentage Rate Interest) on balance transfers may be wise choices.

 

If you still need credit or want to start repairing your credit by proof of action, there are several credit cards designed to help rebuild poor credit histories.

 

Typically cards for bad credit have higher interest rate and limited credit but once you have rebuild and strengthen your credit score, you may get able to get higher limits and lower interest and also get an opportunity to acquire a standard credit card.

 

 

Cash Back Credit Cards

A cash back credit card rewards you for using them with cash back incentives and rebate programs. Depending on how much balance you have and how many times you use their credit card, you can earn cash back for your purchases.

 

Credit cards with cash rebates and incentives usually require a good to excellent credit rating for approval. However, some cash back credit cards have high interest rates and annual fees that cancel out the reward benefits. Other have complicated and unfavorable redemption policies so always read the offer very carefully.

.

 

 

What Is the Best Travel Credit Card

Get the best travel credit card and features that reward you the most.

 

10 Tips to Get the Best Student Credit Card

Do you know what are the things you should look for before you apply for a student credit card?

 

Love Credit Cards but Hate the Fees?

Find out what are credit card hidden fees and charges and how to avoid paying them.

 

5 Must-Know Tips to Manage Credit Card Debt

Know how you can control your finances and get out of credit card debt faster than you can imagine.

 

When to Use Credit Card Consolidation Services

Why such services can be really useful when you are unable to manage debt on your own.

 

What Credit Score Numbers Mean

What are credit score numbers? Did you know your credit score can affect the type of loans you get?

 

Want to Improve Your Credit Rating?

Easy steps you can take to improve your bad credit score fast, in as little as 6 months.

 

 

which is the best credit card for you