www.CreditCards.com

We all relish a good purchase, and many people use their credit cards to do it. We all love to buy gifts, but when the statement comes it can mean dipping into the savings or maintaining a credit card balance. If you aren't able to pay off your balance within the first few months after the Christmas season or a big purchase, then you might want to consider transferring your balance to a credit card with lower interest, or if you can qualify, a 0% APR on balance transfers and purchases for 12 months. Of course doing this multiple times will negatively impact your credit, so choose your timing carefully.

This hub's goal is to review the site www.creditcards.com and give a brief description of credit scores and FICO. There are many options out there for credit cards: airline credit cards, rewards credit cards, low interest credit cards, department store credit cards, student credit cards, etc. Finding the best credit card for you is the goal. Finding the best credit card offers is made easy with creditcard.com. If you have bad credit, It can be valuable to reestablishing your credit and rebuilding your credit by applying for a credit card and paying it off regularly. Find the best credit card or visa debt card offer and apply for a credit card at creditcards.com. Bad credit credit card offers can be tricky, but creditcards.com allows you to search under this category and compare all the offers at once to find you the best credit card. If you want a good place to look at credit card comparisons, I recommend checking this site out.

www.creditcard.com or www.creditcards.com is a well established site that helps you find the best credit card for your needs. You can search by type of card, bank/issuer or keyword. You then can compare offers in a side by side format to find which card is the right one for you. After you have chosen the card, you can apply either on their site or go directly to the credit card company's home page.

What I like about the site:

• You can choose the type of card you would like and compare all the different cards within this type. For example, I chose to search for "low interest credit cards". Creditcard.com features 28 cards in this category with bulleted items: intro APR period; regular APR; annual fee; whether or not balance transfers are accepted; and the type of credit needed to apply. Their top pick may not be the best, so be sure to search the different offers. The best deal I found was a Platinum Edition Visa that had 0% APR for 15 months, 11.99% APR after that, no annual fee, accepts balance transfers, and good credit needed.

• The format is consistent and readable. It is very easy to compare different cards and see which card would be the best for your particular needs.

• You can apply online If you find the card you want.

• Low Interest
• Balance Transfer
• Instant Approval
• Reward
• Cash Back
• Airline
• Student
• Business
• Prepaid Debit
• Credit Cards for Bad Credit
• Specials

Your credit score is important if you are thinking about buying,renting or refinancing a house, a car, or any other large purchase/rental. One thing to be aware of is opening too many credit cards. Having too many cards open at once can have a negative effect on your credit report or FICO score. Department stores often offer discounts for opening a card at the register. If you're making a large purchase the 10% discount may be worth it, but for small purchases it probably isn't. If you don't have any credit cards your score can be negatively effected as well. The best plan to help your credit score is to have a few cards with a zero or low balance and to pay your bills on time.

Your FICO score is based on:

• Late payments
• The amount of time credit has been established
• The amount of credit used versus the amount of credit available
• Length of time at present residence
• Employment history
• Negative credit information such as bankruptcies, charge-offs, collections, etc