Credit cards are essential to your long-term financial growth, but if you’re not ready for one, they can take a real toll on your credit. Before you apply for a card, you should ask yourself these 3 questions to ensure you’re ready for the responsibility that comes from accepting credit from lenders.

1. www.creditcardxpo.com
Are You Ready
For a Credit Card?

2. www.creditcardxpo.com
Carl knows that
credit cards are
essential to his
long-term
financial growth.
And that if he’s not quite
ready for one, they can
take a real toll on his
credit.

3. www.creditcardxpo.com
So before he thinks about applying for that card, he should ask himself the
following three questions to be sure he’s ready for the responsibility.
So before he thinks about applying for
that card, he should ask himself the
following three questions to be sure he’s
ready for the responsibility.
? ? ?

4. www.creditcardxpo.com
#1
Are you financially
responsible?

5. www.creditcardxpo.com
Carl thinks he’s responsible enough.
After all, he has a little money in his savings account,
and he never buys the brand name products.
But financial
responsibility goes
further than that.

6. www.creditcardxpo.com
Carl should have a long-term plan in place,
and always know where his money is going.
This way, when he opens up that card,
he’ll know exactly what he’s spending and
won’t charge too much on his credit card.

7. www.creditcardxpo.com
#2
Why are you opening
the card?

8. www.creditcardxpo.com
Carl needs to ask himself what his
motivations are, and why he needs the
additional credit.
Is it to build his
credit so that one
day he can get a
home loan?
Is it to show creditors that he’s
capable of paying a balance
every month so that he can get
that new car he’s been wanting?

9. www.creditcardxpo.com
Is it just going to
be for emergencies
like car repairs
and medical bills?
Or is it because he
wants to go out and
have fun and
spend more money?

10. www.creditcardxpo.com
If you understand your motivations
for why you’re opening the card in the
first place, there’s a lesser risk of
charging it up and going too far into
debt.

11. www.creditcardxpo.com
#3
Did you research which
card to open?

12. www.creditcardxpo.com
Carl gets plenty of credit
card offers in the mail,
but which one should he
apply for?
The honest answer is
that any offer that is sent
to you unsolicited is
most likely going to have
a high APR and low
benefits.

13. Carl should go to CreditCardXPO.com
and research the cards before he
makes a decision.
www.creditcardxpo.com

14. www.creditcardxpo.com
Taking the first card that comes along,
applying for the first offer, will lead you to
opening an account with a creditor
who doesn’t have
your best interests in mind.

15. www.creditcardxpo.com
Because Carl has been financially responsible
so far in his life, he’s earned good credit.
This enables him to pick and choose which
card he wants, so he can select the one that’s
best for his life and needs.

16. www.creditcardxpo.com
Now Carl can start researching to find the card that’s
right for him - and that’s good news.
But no matter how good his APR is, and how
responsible his motivations,
he always has to be careful, remain financially
responsible, and pay his balance every month.
That way, he’s taking steps on the path
toward long-term financial security.

17. www.creditcardxpo.com
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Want to know more?
Whether you have
good credit, bad credit,
or no credit at all, you
can find the credit card
that fits you best with
our tools and advice
today!

18. www.creditcardxpo.com
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