Have you ever accepted a credit card offer that looked good on the surface, but later wished you hadn't seen it at all?
I think we've all had our fair share of this kind of thing. However, I submit that rather than wishing that we hadn't seen the offer at all, it would have been far better if we had seen more of it!
You see, I think that for the most part people get into this kind of regretful situation because they tend to place a limitation on the questions that they ask. They merely want answers to the 'where' and 'when' questions while giving little attention to the most important question--'why'.
In other words, they see something that looks good on the surface, and almost immediately want to know where and when they can get it; yet, they don't take the time to ask themselves why it's really important for them to do so. As a result of this they often find that they had gotten something that they either had no need for, or wouldn't have gotten had they known what was connected to it.
Pay Attention to the Underlying Details of Every Credit Card Offer
The underlying details associated with a credit card offer should always be reviewed, because they not only help people see what they're really getting, but also if they have any use for it at all (incidentally, this advice goes for any kind of offer, not just credit cards). Unfortunately, a lot of people don't take the time to read the fine print.
To use an analogy, it's like they want to dive into a pool of cool water on a hot summer's day without first finding out if the water is deep enough for diving. The only thing on their mind at that point is that they want something from that water, and aren't going to allow anything to keep them from getting it.
What they fail to see however, is that they won't really know that they can actually get what they 'want' from it in the manner in which they wish to receive it without first finding out if it can give them what they really 'need' in that way. So instead of first testing the water they hastily dive into it to their injury, and soon discover that the water was too shallow for diving. Thus they don't get what they need. Instead, they get something that they regret to have ever encountered!
To give you an example of something that most of us are probably familiar with, I'm sure you must have seen, '0% APR on all balance transfers!' in big bold letters, right? Well, if you haven't you will at some point! Now, for many people, as soon as they see something like this they're hooked. Advertisers know this too. Hence this is their reason for using big bold letters to advertise. But if people would just look a little closer they would also see the words, 'introductory rate'.
Of course, these words aren't in big bold letters. In fact, an even closer look discloses that there's a 3% balance transfer fee attached to the offer (yes, the print gets smaller and smaller when it comes to such details). So what appeared to be appealing and desired for in the beginning suddenly becomes less attractive!
Don't Miss the Point
Don't get me wrong here. I'm not trying to knock introductory credit card rates. What I'm just simply trying to point out here is that we should always make sure we understand the terms of an offer before accepting it. More than that, we need to make sure that that offer will work out to our best interest in giving us exactly what we need from it. If it can't do that for us, then it's best not to accept it, at least not for the sake of the offer anyway.
So do yourself a huge favor the next time you receive an offer from or for a credit card. Don't just dive into it because it looks good on the surface. Measure all the details of it well, and then make an intelligent decision to either accept it or reject it.
Don't be an impulsive consumer that gives in to every sales tactic that cunning advertisers use to get people to buy their products; rather, be a well-informed shopper, and you'll put yourself on path to great savings as you learn to recognize and act upon a good credit card offer when it comes your way!
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