Three steps to picking a new credit card

Need help getting a new credit card?

If you've never applied or it's been awhile, here are three things you ought to consider:

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Determine what you need

Nerd Wallet identifies three types of credit cards: One that improves credit, saves you money on interest and one that earns rewards.

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Look at your spending habits

Pick the type of card that's right for you.

Do your research

Find a card with a low annual percentage rate or APR. Also, check to see if there are any annual fees.

Nerdwallet offers a card comparison tool, or search online to find for the best offers for you.

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