Is it time for you to look for a better credit card?

Thursday, September 4th, 2014

Our lives constantly change and it is natural to re-evaluate some life choices, financial decisions in particular. There is a strong possibility that your old credit card does not work on you as it previously did.

Say, you went through significant lifestyle change, such as getting married or having children. These events can affect what you are spending the bulk of your money on. For instance, you might not be able to reap big rewards on your travel credit card, and switching to a cash back credit card can be a better choice. The key is to find a credit card that gives the biggest return for the swiping you do most often.

The same is when you are moving to a new area. Relocating sometimes causes important changes to your routine. As a result, your everyday spendings can shift too. To better understand how your credit card use might have changed because of your move, analyze your monthly billing statement. It will give you a clue about which rewards credit cards you should look for.

When you, a recent college graduate, get your first salaried job, it is time to upgrade from your student credit card. Your new income and the good credit you should’ve built as a student are quite enough to qualify for a card with favorable terms and rewards program.

Substantial credit improvement is also a sign that it’s probably time to change your credit card. For example, you used a secured credit card to rebuild your credit score and succeeded in doing it. So, now you can switch to a regular credit card.

Also, you might want to apply for a new credit card when you pay off your lingering credit card debt. It is likely that your paid off credit card has high APR or an annual fee you no longer want to see on your card. Shop around for a different credit card to use for your new debt-free life.

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