If you are considering getting a new credit card, start by planning how you will be using it. Doing that is very important because each card is different, and some have great rewards as well as some high interest rates. For example, if you plan on making lots of purchases each month with that card, search for a credit card that offers great rewards program, so you can get some money back. But, if you know that you are often late with payments, search for the card with the lowest APR you can find.

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