Credit card or plastic money has now become an indivisible part of our lives. It is an indispensable tool in the hands of those who know how to use it efficiently. But for those who misuse it, a credit card can spell their doom. Thus, the same credit card, which can be a boon for someone, can be a bane for another.

Before opting for a credit card you should carefully evaluate your...

One of the first things you should always look out for in a credit card is the low APR and the low annual fees. Now, it is evident that you can’t have the best of both worlds thus you’ll just have to do with a balance between the two. You can either pay high annual fees year in and year out but save up on interest rates, or you can save on the fees but risk being charged a higher interest....