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By: Total Finanças
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What credit score do I need to get a credit card?
Most basic cards are available to applicants with fair or average credit (around 580+), while premium rewards cards generally require good to excellent scores (700+).
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Are there credit cards with no annual fees?
Yes. Many cards offer $0 annual fee options, which are great for budget-conscious users who still want rewards and benefits without extra costs.
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How do introductory APR offers work?
Introductory APRs often start at 0% for purchases or balance transfers, lasting 12 to 18 months. After the promotional period, the rate reverts to the card’s regular variable APR.
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What happens if I miss a payment?
Missing a payment may result in late fees, potential interest rate increases, and a negative impact on your credit score. Setting up autopay can help avoid this.
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Can I use my credit card abroad?
Yes. Most credit cards are accepted worldwide, but some may charge foreign transaction fees (usually around 3%). Many travel-focused cards waive these fees.