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Does the card meet your lifestyle needs? E.g. Is the basic card sufficient or do you need additional benefits normally given to a Gold or Platinum cardholder? |
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Have you understood the terms and conditions relating to the introductory offers? Are there any penalties for non compliance with the conditions? |
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When seeking "free for life" cards, i.e. no annual fee charged, seek clarification where the waiver is subject to condition such as minimal monthly usage/charges. |
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In cosidering a new card under a ‘balance transfer scheme’ understand how the lower interest works and the conditions in which they apply. |
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Read the fine print as it may contain certain important information that may affect your decision. |
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Have you compared the carrying cost (annual fees) of the card against the promotion gift that is offered? |
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Can you pay your credit card bill conveniently? E.g. 24-hour banking facilities, via Internet banking |
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Does the banking institution offer quality service in terms of efficiency and reliability? |
