You might feel it’s safer to stick to your one trusty credit card. When all is said and done, your credit card works well enough, so why bother changing it? Perhaps you’ve gotten use to its look or feel, or simply think credit cards are one size fits all. Well, there’s quite a few reasons as to why you should investigate different credit cards. We explore a few of them below.
Travel Credit Cards
There are credit cards that you can use in more special and unique circumstances. These stamp out more obscure charges, such as hidden interest rates and irritable cash withdrawal fees. Put simply, there is a time to stow away your regular credit card and go for something a little more niche; especially if you’re on holiday.
The travel credit card comes with many perks, and one of them is cheaper spending in foreign countries. This means you can spend with ease and a higher degree of comfort, instead of keeping a narrowed and suspicious eye on your finances to detect any dodgy activity. By using one, you dodge interest rates and cash withdrawals on holiday, meaning you can worry less and enjoy yourself more.
The Prepaid Debit Mastercard
If you’re in a rocky financial period, then the type of credit card that you use can better your situation, if you choose wisely. They really can tip the scales a little bit to be in your favour and give you some extra benefits when times get hard. After all, your regular credit card is permanently fixed to your bank account, sucking out funds with each and every usage. Moreover, they can get you into trouble if you start chipping away at your overdraft.
However, the Prepaid Debit Mastercard from Think Money works in spectacular fashion, giving its users more financial security. Like the travel credit card, it does away with unexpected and hidden fees, and only allows you to spend what is ‘prepaid’ once your essential payments, like bills, are out of the way. You can’t even overdraft with them! This is good for those with money concerns, as they’ll find it easier to rebuild their credit score.
It might be that, so far, neither credit card has truly taken your fancy. Perhaps your circumstances are different, so specific that no different card could possibly suit your needs. Well, instead of listing off every credit card to ever exist in the hopes you’ll discover that one in a million find, there’s a more practical way to find what you’re looking for if it’s really that niche.
If you’re still struggling, you can use an online eligibility calculator to find the credit card of your dreams. Use the drop-down bars to outline your circumstances and needs, and a tailored resolution should present itself to you in the form of a useful credit card. There’s a wealth of options out there, so if you’re really wading through an overwhelming amount of information, these tools should really help you narrow your search down.