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9 questions before choosing a credit card

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How does this card compare to other options?
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How does this card compare to other options?

If you're shopping for a card, chances are you're comparing card terms. But if an issuer sends you an offer, it's tempting to apply and see what you get.

The problem: That low-hanging fruit might not be the best option for you.

"It's really difficult to pick one (in isolation)," says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. "If someone just shows you one car, how do you know if it's the right car for you?"

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don't be afraid to plug the card name, "complaints" and "customer service" into your favorite search engine. "I go through and see who has the least amount of complaints and issues," says Rogers.


 

 

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