Consider the Credibility
One other thing to consider in choosing a credit card is the background of the credit card issuing bank. If the bank has good credibility and reputation, then you as a credit card holder from the bank will feel more secure and comfortable while the advantage in using credit cards was also greater.
When applying for a free credit card, you will usually be faced with the choice of whether to have a classic (gold), gold (gold), or platinum credit card.
Gold and platinum credit cards are premium credit cards that offer high credit limits and additional exclusive benefits such as airport lounges, extended product warranties and accident insurance when traveling. Surely all the additional facilities here can be obtained by paying higher annual fees and sometimes higher interest rates as well.
If you have a high income, entrepreneur, and also often travel mainly by plane, then a gold or platinum credit card will be suitable for you. If not, then you should choose a classic type of credit card, according to your needs.
Consider Reward and Other Additional Facilities
A number of credit card issuers offer rewards or rewards to their customers, either in the form of goods, shopping discounts, points, or more. If you are eyeing the various rewards offered by a particular credit card, then the credit card is right for you.
In addition, other things you need to consider are additional facilities such as worldwide ATM access, travel insurance, credit card bill insurance (credit shield), as well as executive lounge facilities in various places. If you need or often use these additional facilities, you should consider choosing a credit card that offers it.