How to Choose a Credit Card

If you’re in the market for a credit card, you may want to consider a few things before you choose one. These include 0% introductory rates, a sign-up bonus, extended warranties, and price protection. The most important thing is to look at all the features and determine which ones are most important to you. To know more about Norway credit cards visit Beste-kredittkort.no.

Sign-up bonus

If you’re considering a new credit card, you may want to consider sign-up bonuses. These types of promotions can add hundreds of dollars to your bank account, as long as you spend wisely. However, you need to make sure that you’re eligible for the offer.

The most obvious thing to do is to compare your spending habits to those of your target demographic. This can help you choose a credit card that will reward you in the most effective ways. It can also help you avoid paying interest.

0% introductory rate

You can save hundreds of dollars with a credit card that offers a 0% introductory rate. Whether you’re paying down high-interest debt or making a large purchase, using a 0% APR card can help you spread out payments and avoid the high interest fees on purchases.

Depending on the card, a 0% APR may be available on both purchases and balance transfers. When applying, be sure to check the terms of the offer to find out what type of purchases or balance transfers you’re eligible for.

The length of the introductory period is also important. For example, a 15-month 0% APR may only apply to purchases made within the first 60 days of opening the account.

Another consideration is the cost of the annual fee. Many cards waive the annual fee, but some have steep fees. These fees are usually between 3% and 5% of the total balance.

Price protection

Price protection is a lesser-known credit card benefit, but it can be useful. If you are planning a large purchase, it can be a good idea to find out if your credit card offers price protection.

There are many different types of cards that offer this service. Some of them don’t even charge an annual fee.

The best way to know if your credit card offers price protection is to check the fine print. Most of the time, you will not be able to use the benefit on every purchase. However, you may be eligible to receive a refund when the price of a qualifying item drops.

To receive a price protection refund, you will have to file a claim. The process is generally straightforward. Your card issuer will provide you with a form to fill out. You will then have to supply proof of the lower price.


If you have an account with an issuer that offers autopay, it can be a very convenient way to make your payments. It is also a safe way to ensure that you do not miss a payment. However, there are a few things you should keep in mind before you use the feature.

First, you will need to ensure that your credit card is in good standing. If you are late in making a payment, it can be a major hit to your credit report. A late payment can stay on your report for seven years. In addition, your credit card issuer may charge a missed payment fee.

Autopay can also help you avoid late fees, but it is important to keep track of your accounts. You can set up alerts to send you a notification if your credit card balance drops below a certain amount, for example.

Extended warranties

Many credit cards offer extended warranty protection. This is a very valuable benefit that can save you hundreds, or even thousands of dollars. It’s important to understand that there are some limitations, however, so you may want to check out your specific card’s terms.

In general, extended warranty coverage isn’t available on all products. Certain items are excluded, and you may be required to provide proof of eligibility.

Credit card manufacturers typically offer warranties on new items that are purchased with their credit cards. These warranties typically mirror the original manufacturer’s warranty and offer protection against defects. However, these warranties often expire after a year or two.

Credit cards with extended warranty protection can help you extend your manufacturer’s warranty and can reimburse you for the cost of repairs. While you shouldn’t assume that a credit card with extended warranty protection will cover all purchases, it can be an excellent way to keep your equipment working.



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