The advantages of having a credit card can only be seen if a good use is made out of this. That is, if you are a person who ignores the dates of payment or these are constantly returned, the bank will not give you special benefits; but if you care of your record, your bank will surely allow you to enjoy many privileges.

Assume cards responsibly is the key to success to build a good credit history, which will serve as reference for any other credit application you make for matters of greater importance, such as a car or a house. Therefore, being consistent with this commitment pays in a longer term.

Now, before asking for a credit card, you should consider several aspects that will help you determine if it is the one that best suits your needs and other criteria: how much to pay for the annual fee, which introductory rates are the ones you must pay, what is the annual percentage rate for purchases and balance transfers, among others.

On the other hand, it is important that you define your priorities because there are special credit cards for people who often travel constantly, like the Chase Sapphire Reserve, which offers 100,000 bonus points and other incredible privileges; and rewards as the Venture Rewards.

Similarly, you can opt for a card that is designed to hit the ground running as your credit history Secured Card, which allows for a credit line of the same amount as your deposit. For example, if your deposit is $ 200, your credit line will be $ 200.

Easy tricks to use your credit card

Planning is the basis for maintaining your finances. From this important element, we can set ourselves certain conditions listed below and will guide us in the proper use of our credit card:

• Set your financial priorities first: having this financial resource,  with no doubt is an advantage; however, you can not compromise your income or compromise your economic status.
• Pay on time: avoid sanctions and do not let your debt grow unnecessarily, avoid this just making your payments at the right time.
• Compare the deals: do not acquire the first credit card before your eyes, remember to choose the one that suits your requirements.
• Evaluate your expenses: think clearly about when it is convenient for you to make a payment in cash or with your card.
• Take advantage of promotions: many banks offer introductory rates, but you can not help but see what will happen after that magic runs out.

If you have in mind applying for a credit card, never forget to ask for advice and compare the different proposals before making a commitment.