Credit card applications are a large part of distinguishing the best credit card users from everyone else. Not only do great users use credit cards to build their credit and get a low-interest rate on purchases, but they also use them responsibly. Those who use credit cards responsibly will have their card for several years, pay off their balances in full each month and maintain a low balance on the card.

Do you need another reason other than the security features offered by most…

When shopping for a new credit card, it’s easy to get caught up in the excitement of signing up for a prestigious brand and overlooking the details. Consequently, before applying for a new credit card, it pays to do your homework. Many cards are available on the market, each offering its unique set of benefits and features that can fit different spending habits and individual needs.

Many of these hidden benefits are things most people wouldn’t think to ask about until they read this…