I am always getting calls from credit card agents persuading me to avail of their bank's offer. I get so annoyed but then, I gave in. I availed of their credit cards and enjoyed swiping them. I realized that maybe this will be good for installment and deferred payments. I purchased gadgets and some items that are "wants" and not "needs".

My realization came months later when I finally compared my prior card statements. I compare all the rates of the credit cards out there and I was shocked. I am paying higher that other bank's rates.It is best to compare credit cards on trusted resources like comparecards.com. It made me realize that I can save on my interest rates if I choose wisely on my credit card.I should have tried this one before in order to get the best credit card and interest rate.

Now, I will maintain only one credit card and I am ready to fill up a credit card balance transfer form. This way, I can have lesser interest and lighter payment on my part.