Everybody will have a different idea about their perfect credit card deal. And the reason for that will always be individual needs of each person! Therefore without knowing why you are getting a credit card, it will be hard to tell what really is best for you. However, if you are not that familiar with what is available to you at the moment, as far as credit card features, your understanding of what you need might, as well, be slightly off. Now we see that in order to start looking for a perfect credit card deal we ought to know “What we need” and “What is available”.

In most cases, I repeat, in most cases low APR (Annual Percentage Rate or Interest Rate) will be of a great importance; since most of us get credit cards to use them for borrowing money in one way or another. So, starting with low APR credit cards would be a smart move. Let’s see how it is done on practice.

CreditCardMix .com has got a number of great credit card deals, however the best part about this website is that while you looking at an offer within a category (for example Low APR Credit Cards) you will also see what other categories the card is in (see icons at the bottom of every table with the offers’ details). This is quite helpful for identifying great deals.
 
Now, I’ll show you how to search for your perfect card by identifying your greatest need.
Let’s say you want to transfer a balance from your current credit card with high APR to another card that will have a low or even 0% interest rate. But at the same time you want to be able to collect points with your new card and redeem them for cool gift cards, merchandise, free airfare, or even cash. Then what you have to do is:

Go to Balance Transfer Credit Card category and look for the card that is also found in such categories as Low APR credit cards, 0% Credit Cards, Credit Card Rewards, Cash Back credit cards or whatever else you may need. (Remember! Look for little icons at the bottom of each card info table.) As soon as you find the card with the most or all the features you wanted click the Apply Now button and get your card.

There you go! Was it easy? Well, great. It was my pleasure to help you!

So, here’s my intern surviving my test tasks. I’m posting her work here. I know it’s very basic, but… Don’t be hating! ;) Some of you won’t know this. Otherwise I wouldn't have to answer a bunch of stupid questions every day. So… You bettah check eet! (or be quiet about it) ;)

How Credit Cards Work

First a credit card category needs to be chosen. The categories include balance transfer credit cards, low interest credit cards and others. Click on this link to see the most popular credit card categories. In order to get that credit card, an account needs to be accepted by the credit provider. Also there are four major credit card networks: American Express, Discover Card, Visa, and American Express. Different banks issue each network. Once the account is approved the cardholder can use the credit card to make purchases at stores that accept that credit card. After making a purchase and signing the receipt, the credit card holder agrees to pay the card issuer. Monthly, a statement is sent to the cardholder. It indicates the purchases made and the total amount owed. A defined proportion of the sum needs to be paid by the credit card user by the date due.

Credit Card Interest Rates

Monthly, an amount needs to be paid to the credit card provider. Grace periods are about 20 to 30 days long. If the amount is not paid by the end of the grace period, then the credit card holder has to pay interest. Credit card interest rates vary from card to card. Some can even be 0% interest credit cards. Sometimes to avoid late payments, automatic withdrawals can be set up from the credit card holder’s bank account. As long as there is money in the account, late payments and interest charges can be avoided.

Credit Card Security

To avoid complications, credit cards need to be kept safe. The credit card number has to be kept private. When someone has access to either the card or the number, the security of the credit card can be at risk. If a credit card is stolen, it can be cancelled. This has to be done fast to eliminate fraud.