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How to Choose a Credit Card Wisely


Are you among the 64% of Millennials without a Credit Card?

Opening a credit card is a big deal! Do your research and compare before you apply!
Use a credit card comparison tool to look for a credit card with:

No annual fee 
Reasonable APR 
Great Benefits             

You already have a credit card? Ok, Then! How is your Credit Score looking? The higher the score the more likely you will be approved for a new card with better rates and rewards!

What types of rewards would be most beneficial to you?

  • Travel a lot for work or pleasure? Then, look into travel rewards cards to build points to use towards flights or hotels.
  • You can also look into cards that offer ‘cash back.’
    • With these cards, you receive a small amount of money, or ‘credit’ on your monthly statement, for each purchase made. Cash back can tally anywhere from one to five percent.

Keep an eye out for the annual Fees? Be aware of how much they are.

Tip: Read the fine print!

Pick the credit card that offers you the most value.

And don’t forget to pay your bill on time, every month!

American Consumer Credit Counseling (ACCC) offers consumer credit solutions ranging from debt counseling and debt consolidation relief, to pre-bankruptcy counseling and post-bankruptcy debtor education. If you are seeking debt consolidation options, ACCC offers a simple and effective consolidation program that's more prudent and beneficial than a debt settlement solution or taking out loans for debt consolidation. For personalized credit counseling advice and to learn about the best way to consolidate debt, contact an ACCC credit advisor today.

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member