Bill Hardekopf Card Quotations

Every person who pays off their credit card in full each month should be using a credit card that gives a rebate or a reward. Otherwise, you are being economically foolish. Some of these cards pay you a significant cash rebate just for using the card.

If you expect to receive a tax refund or a bonus in the next year, transfer your balance to a card with 0% APR on balance transfers for 12 months. Extra money from tax refunds, gifts and bonuses can help significantly in paying down the balance.

The card does have some good attributes, but consumers need to be cautious and know what they're getting into. They really need to dive into the terms and conditions.

As a consumer, make sure you read the dreaded terms and conditions of the card so you know what you're in for.