Have you decided to apply for a credit card? That's nice. No doubt these cards are useful and convenient way to pay for services in daily life. It provides you finance flexibility if used sensibly. One can use it for daily purchases, for business dealings, for managing debt problems and even for charity purposes. It can also be used abroad in foreign currencies through online network facilities.
Choosing a credit card depends upon individual status. It means whether he or she is a student, a businessman, a middle class man, a retired person or a widow. Different types suit different persons. Standard credit card is available for everyone over 18 years while premium credit card offers comparatively higher credit with lower interest rates and some extra benefits. So you can choose a credit card accordingly to your priorities.
Why are you applying for a credit card? This question matters a lot. Is it for managing your financial pressure or for business dealings. Do you want to enjoy special offers and incentives available with it or you want to use it for emergency situations. Whether you want to reduce interest payment on other existing credit card through balance transfer or want to donate for charity programs. Ask these questions to yourself before applying for a card. If you are able to clear the bill in full each month then annual fee and length of interest free period are more important factors than interest rate. But if you want some cash advances to manage financial burden then you must consider fees for cash advances and related interest rate (higher for cash advances).
Guaranty Bank & Trust offer VISA® credit cards with a full range of rewards options.
PAY DOWN BALANCESWant to save on interest? With the Platinum Card, you can enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster.
REWARDS TO USE THE WAY YOU WANT.Earn 1.5 points monthly for every dollar you spend on eligible net purchases.1 There is no cap or limit on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers.
BUILD YOUR CREDITIf you need to improve or re-establish your credit history1 , here's a great way to begin that process. With the Secured Card, you'll enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.