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Still using that credit card from 12 years ago * the one that charges a high interest rate and does not reward you at all for being a loyal user?

With a wide selection of credit cards nowadays * each tailored to specific individual circumstances * it would be unwise not to explore the credit card market and see if there is one that just might be a better fit for you. There's nothing to lose and everything to gain.

If the question, "how do I decide which credit card to apply for" is beginning to nag you, it is most likely because you know that you're not satisfied with the present card you're using * you're slapped with ridiculous interest rates and the credit card company seems too quick on the draw to build your debt at every opportunity. You're thinking that it isn't exactly the best credit card because you're getting nothing in return and you want something more "user-friendly".

How to decide which credit card to apply for is not as big a task as you may think. A little information gathering would probably do the trick.

First, you can talk to your friends and find out if they're happy with their credit card and see if they would recommend it. The only problem with this is that people are usually tight-lipped about matters concerning money or anything that comes close to it. It's a subject that they would rather not discuss even with close friends.

Second, you can look for the information yourself. The problem with this approach is, do you have the time to scout around, or even have the inclination to read the fine print of the credit card application? Credit card applications usually carry terminology that can intimidate even the most savvy credit card holders.

Third, you can cut your search time in half by using online recourses like www.moneyeverything.com/cards. They*ve already done the homework. They know what the credit card companies are and what each of them has to offer in terms of interest rates, cashback offers, balance transfer interest rates and standard variable rates. In brief, www.moneyeverything.com has filtered the information compared it and presented it in a user friendly format so that when you*ve decided to apply for a credit card, the process takes just a few clicks of your mouse when you*re ready to apply online.

The third method is the quickest and easiest way. And it's also the most discreet. Moneyeverything.com will safeguard the information you provide on your credit card application. They also have a special service: they'll send you rate alerts and special promotions if you register.

The credit card business is a competitive business. You'd be surprised at the terms and conditions that credit card companies are willing to offer potential members. In fact many of them offer rewards or cashback for a certain amount of purchases you make every year. Many users simply apply the rewards back as a credit to the balance on their credit cards. Or if users have a balance on the credit card they've been using for the last 10 years and are paying through the nose for it, all they need to do is look for a 0% balance transfer card for anywhere between three and nine months. By transferring the balance they will NO interest while they pay it off for anything up to 9 months. After paying those high rates for years, imagine what it would be like to have interest free credit!

Moneyeveything.com will even help you find the best card based on your spending and repayment habits. Once you've figured out what type of 'user' is your best fit, deciding on which credit card to apply for should be a breeze!