If you want our take on rewards credit cards, don't leave yet. Ever wonder how a creditor decides whether to grant you credit? for years, creditors have been using credit scoring systems to determine if you'd be a good risk for and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans.
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If you plan to pay bills in full each month, the size of the annual fee or other rewards credit cards fees, and not the periodic and annual percentage rate, may be more important. If you expect to use to pay for purchasesover time, the apr and the balance computation method are important terms to consider.
