A consumer or a business owner should shop carefully before applying for a credit card -- especially a first-time credit card.
A number of websites focus on how to choose and use a credit card. Here's just a few:
Bankrate.com: Spotlights choosing a cash-back credit card. www.bankrate.com/finance/credit-cards
CreditCards.com: Covers six topics a consumer should consider when choosing a credit card. www.creditcards.com
Federal Reserve: Provides an array of facts about credit cards, including understanding a credit card offer, your statement, interest rates and more. www.federalreserve.gov/creditcard/
National Fraud Information Center: Offers five items to help educate consumers about finding a new credit card. www.fraud.org
U.S. Small Business Administration: Discusses six considerations for a small business looking to obtain a business credit card. www.sba.gov
Read more here: http://www.star-telegram.com/2013/02/23/4638330/how-to-pick-your-plastic.html#storylink=cpy