Step 1: Research 
The Buyz123 guide
Read how this guide can assist your decision-making and ensure that you consider all your options before making a “purchase”.
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What is available on the market?
Research the various types of credit cards that are available on the market and what features you need to know about before you “buy”.
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- Basis - regular, secured, pre-paid, premium, debit option
- Type - Visa, MasterCard, American Express, Diner's
- APR/Interest - fixed, variable, multiple, tiered, introductory
- Fees - annual, finance charge, penalties
Is it suited to me?
Ask yourself these key questions to make sure that your new credit card is the “perfect fit” for you.
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- Why do I need a credit card?
- Will I use it for emergencies such as cash advances?
- Using past experience to help make my choice.
> Research Links
> Video Links
Step 1: Evaluation 
Once you know what's available - it's time to narrow down the options
Look at how well each particular credit card meets your particular needs and eliminate the ones that don't suit you.
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- Advantages and disadvantages of premium cards
- APRs (interest rates) and how they affect you
- Grace period - length, exceptions
- Finance charge considerations and calculations
My features list
Use this list to get a quick and effective overview of the credit card and to ensure that it has all the features that are most important to you.
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Comparing credit cards to one another
Consider these questions to help you make that final choice.
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- Which credit card is the best value for money?
- Which has the best extras and the lowest interest?
- Which credit card suits my needs the best?
- Which do I like the best?
> Evaluation Links
Step 3: Purchase: Choosing
I want to apply for one - but how?
The different ways you can apply for credit cards and the pros and cons of each method.
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- Internet, over the phone, borrowing and loans department, local branch
- Choosing a card provider
- Signing Up
> Purchase Links