When I was introduced to the world of credit cards it took some getting used to, to be able to use credit cards effectively. But once you start using a credit card, it becomes more of a habit, not necessarily a good or bad habit.
One of the cards that I want to introduce you to is the 28 degrees MasterCard. I like the fact that it really does not have an annual fee. And I mean they never charge you an annual fee; not in the first year, not in the second, not ever.
In addition the usual goodies such as free ATM withdrawals, cash advances etc. are all available on the 28 degrees card. When I was a graduate student, the first ever card I received, was an American express card.
At that point of time, the American express card was one of the easiest that a student could get. It was also a highly desirable card because of all the travel related benefits. However a lot of water has flowed under the bridge since that point of time.
One thing that has not changed is that the American express card continues to be a great card for one to have. If you are looking for a card you should certainly consider American Express. As I have often stated, the American express card comes loaded with a lot of features.
But, as with any other credit card you need to be sure, that you are maintaining financial discipline. To an extent one could say that, as a nation, had we maintained a higher degree of financial discipline, we would probably not have landed into the economic hole that we presently have.
ANZ bank is a pretty popular bank in the Australian region. However not many people remember that ANZ and is actually an abbreviation which stands for Australia and New Zealand. The bank has branches all around the world, and has distinguished itself as one of the leading banks in the world.
Like any other financial institution off its stature, it too has its offerings of cards. Since, I seem to be on a card article making spree, why not make one on the ANZ card also? But, why stop at talking about a specific bank only. Let me talk about credit cards in general. I never tire from warning people about making sure that they use credit cards responsibly.
Do you have a card? Do you have two cards? Or do you have more than that? Not that there's anything wrong with having multiple cards, but one needs to make sure that one is responsible about one's financial obligations. Do you know how cards work? Do you now how they offer you free, I mean interest-free, use it for a specified number of days? Actually the word of credit cards is quite fascinating. What seems like a very basic simple piece of plastic, actually can be a rather complex technology driven monster of a financial offering.
Probably we do not think twice about using or swiping our cards. If only they knew about all that goes behind making a card work and making the payment cycle complete.