Today there are so many different credit cards available, student prepaid, low interest cards etc. that it has becomes a real hassle to find right one that will suit your needs.

This is reason why we at online-creditcheck provide you with necessary information which can help you in choosing right credit card for you. The good thing about this information is that it is all free of charge.

We have created a list of 10 things you need to have a look at before you decide to apply for that credit card

1) **Annual Percentage Rate - APR** Many credit card companies give you an intro apr rate that will be lower then your regular apr rate. Keep in mind when this introduction apr rate will expire and use it to your advantage

0% Intro APR Credit Cards, will give you opportunity to purchase goods/a service without paying any interest on your principal spend. Such cards are usually for people with a good credit history

Financial planning is process of determining how to manage money, investing, present and future financial goals, and strategy that should be undertaken to obtain them.

Because our goals and desires change as we do, financial planning and investing is a task that is never finished. How we are financially able to reach these goals, and risk we are willing to take to get there, necessarily means that any financial plan must be specifically tailored for an individual or family.

Financial planning begins by taking into account each individual's assets and liabilities at that particular point in time.

The asset category includes life insurance and monetary investments of all kinds, along with physical assets such as a home, automobiles and other items.

Liabilities may range from personal loans, credit card debt, and loans taken to obtain hard assets, such as mortgages.

Next is where sources of ongoing income and increases in hard asset wealth enter into equation. Income most usually is earned by employment, but other sources, such as possible inheritances, must also be considered. Increases in hard asset wealth, such as rising home prices, will be affected by general economic conditions as well as owner enhancements.

From here, things get trickier, and this is where true planning begins!