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Visa
Getting More Familiar With Your
Visa Credit Card

If you have a Visa credit card in your wallet or purse, it is likely that you were attracted to that card because it had the Visa sign on it.  It is, after all, the world's most popular method of paying for goods, whatever country in which you happen to be.

But how much do you know about your Visa credit card?  Lots of people apply for credit cards because they have an excellent introductory deal, but once that deal runs out, they tend to lose track of what that card offers them.  So, if you have a Visa card, why not take it out of your pocket and dig out your paperwork to see just how good that Visa card is for you and your situation?

Check through the following points to see whether your Visa credit card is working hard enough for you – or whether it's time to find a new Visa card from another provider.

  • What's your balance?  Are you a balance transfer demon who is always looking for another card to bounce your balance over?  Did you get your Visa credit card for that purpose originally, or did you just get it because it seemed like the best Visa card on offer at the time?

    Whatever your answer, if you have a recurring balance on your Visa credit card, you should look at whether or not you could save money on interest by moving over to another Visa card.  If you use it to buy things and pay off the balance every month, then you should look for other ways to benefit from it.
  • What's your APR?  If you tend to have a balance on your card for most of the time, then the APR will be relevant for you.  Don't stick with your Visa credit card if you are paying one of the highest rates of interest around.  There are so many great deals around now that it's easy to apply elsewhere and get a better Visa card with an interest free deal on balance transfers or purchases, whichever one suits you the best.
  • Have you got one of the best Visa credit cards available?  If you are thinking of changing your card – or you simply want to check how your Visa credit card stacks up against its rivals – check out our comparison site, which help you to see how well your own Visa card is performing.

    Card providers do change their offers, terms, and conditions from time to time in order to stay competitive, so don't get caught in assuming that what was once a great card is still such a good deal now.
  • Does your Visa card offer you any perks or benefitsUnless you have your Visa credit card for a low balance transfer rate to pay off an ongoing debt, you should make sure that it offers you the best perks on the market today.

These vary widely between Visa credit cards.  Some will offer you discounts in certain shops and stores, while others give you cash back on all your shopping.  Work out which offer will give you the best benefits before changing Visa credit cards.  For example, your current card may give you an excellent deal in Air Miles, but if you rarely fly then it's not a good deal for you.

It's important to remember that however worthwhile your Visa was when you first opened the account, it may not be one of the best cards on the market now.  That's why it's important to have a reality check every now and again to see whether your Visa is still giving you good value for money.

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