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EDUCATION CENTER

The Education Center at SmartCreditChoices.com provides information tailored to assist you in understanding credit card applications. Here, you can learn how to understand credit card fine print, save money on interest, and get the most out of your credit card choice. Before you apply for a credit card, be sure you're armed with our knowledge.

Key Factors that Influence Balance Transfer Savings

The amount of money that can be saved with a 0% balance transfer can vary tremendously. Monthly payments, current rates and transaction fees are the primary variables that impact savings.

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0% APR CREDIT CARD OFFERS

... Ideas to help you better understand 0% APR credit cards and avoid mistakes that can diminish the value of these offers.

THE CURRENT STATE OF 0% APR CREDIT CARDS
DECIPHERING LOW INTEREST CREDIT CARD APPLICATIONS
CHOOSING THE RIGHT 0% APR CREDIT CARD

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CREDIT CARD REVIEWS

... Our credit card reviews provide insight into how you can benefit from credit card offers.

BLUE CASH FROM AMERICAN EXPRESS REVIEW
CAPITAL ONE VENTUREONE REWARDS REVIEW
CHASE FREEDOM VISA REVIEW

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REWARDS CREDIT CARDS

... Rewards credit cards are extremely popular, but choosing the right card is essential if you want to actually benefit from these offers.

CASH BACK CREDIT CARD TRENDS
CASH BACK CREDIT CARDS ARE THE BEST TYPE OF REWARDS CARDS
TWO AIRLINE CREDIT CARDS WITH ANNUAL FEES WORTH PAYING

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BALANCE TRANSFERS

... Information to help you better understand the terms and conditions of balance transfer promotions.

KEY FACTORS THAT INFLUENCE BALANCE TRANSFER SAVINGS
EVALUATING BALANCE TRANSFER CHECKS
BALANCE TRANSFER CREDIT CARD MARKET OVERVIEW

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UNDERSTANDING THE FINE PRINT

... Hidden fees, variable interest rates, transaction charges...credit card companies bury a lot of information in the fine print. Find out how to avoid these costly traps.

CREDIT CARDS WITH NO FOREIGN TRANSACTION FEES
WHEN IT COMES TO CREDIT CARDS NEVER DO THESE THREE THINGS
NO INTERNATIONAL TRANSACTION FEE CARDS SAVE YOU MONEY & MAKE LIFE EASIER

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CREDIT CARD CALCULATORS

... Find out how much you can save with a balance transfer or earn with a rewards credit card.

BALANCE TRANSFER CALCULATOR
CREDIT CARD REWARDS CALCULATOR

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MONEY SAVERS

... Articles that focus on avoiding small print traps that can cost consumers big time as well as ways to benefit from credit card usage.

WHAT YOU SHOULD KNOW ABOUT CASH ADVANCE CREDIT CARD OFFERS
ANNUAL PERCENTAGE RATES: WHAT APR WILL YOU RECEIVE?
MAKE SURE YOUR 0% OFFER WILL SAVE YOU MONEY

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APPLYING FOR CREDIT CARDS ONLINE

... Answers to frequently asked question regarding security, credit score effects, and other general topics.

CREDIT CARDS THAT OFFER HIGH CREDIT LIMITS
IS IT SAFE TO APPLY ONLINE FOR A CREDIT CARD?
HOW TO FIND THE BEST CREDIT CARD OFFER FOR YOU

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STORE CREDIT CARDS

... Tempted by offers to get 10% off at your favorite store? Be careful. Store credit cards often charge double the interest rate of a standard credit card.

SHOULD YOU APPLY FOR A STORE CREDIT CARD?
STORE CREDIT CARDS: BUY NOW, PAY A LOT MORE LATER
IS THE BEST BUY CREDIT CARD THE BEST WAY TO BUY?

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THE CREDIT CRUNCH

... How is the credit crunch impacting the credit card world? Find out the latest news on changes in the credit card industry.

INTEREST RATE INCREASED? ACT QUICKLY TO SAVE
GET A 0% APR CREDIT CARD WHILE YOU CAN
LOWER CREDIT CARD APPROVAL RATES AHEAD

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CREDIT REPORTS

... Disputing errors, preventing errors, monitoring credit. All of these issues are explore here.

MY CREDIT DISPUTE NIGHTMARE
HOW TO DISPUTE A CREDIT REPORT ERROR
SHOULD I USE A CREDIT REPAIR AGENCY?

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*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.
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