On the credit card market right now there is a bewildering array of fees, charges and features to be had. It really pays to compare credit cards carefully in order to get the right one for your individual circumstances. The things to look for when you compare credit cards will all be in the fine print of the terms and conditions and to compare credit cards effectively and fully you will need to visit a dedicated website.

Common fees and charges include;

Ø On off charges for late payments.

Ø Going over your credit limit.

Ø Returned payments. For example if your check bounces or a direct debit is declined for lack of funds.

Ø Fees for cash withdrawals.

Ø Balance transfer fees.

Ø Fees or commission on overseas transactions.

A well-disguised but no less heavy fee is in the payment allocation hierarchy. Be sure to compare credit card provider rates for what type of money you will be using. Cash withdrawals are generally most expensive and usually last to be repaid while balance transfers at zero percent are cheapest but always paid off first.

Work on your credit fitness then compare credit cards? A good credit score is vitally important if you are to successfully apply for a new credit card and not waste time in credit card comparison and application.

Late or missed repayments on any loan or credit are serious black eyes on the face of your credit score. Direct debits are the surest way to duck these blows to your credit score. Before you even start to compare credit cards you should address any outstanding credit score issues by getting your own credit reference check done. Here are some sensible precautions to take in order to avoid having your credit card application rejected.

Ø Cancel any credit cards that you no longer use. Credit card providers are increasingly looking at the total credit available to applicants rather than just focusing on outstanding debt.

Ø Ensure you are on the electoral register at your current address. Credit card companies like stability.

Ø Compare credit cards in advance of application so you only apply for cards you are sure of getting. Each application for credit leaves a fingerprint on your credit file and this is another black eye.

When you come to compare credit cards it soon becomes apparent that there are as many deals as there are people looking for a credit card.

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