CREDIT CARD HELP: The basic fundamentals of credit cards

Picking the right card

Your credit card personality: The Futurist

By Erin Peterson

Credit Card Help

Your credit card personality: The Futurist

Your traits: You're willing to sacrifice short-term pleasure for long-term gain. You've got your finances under control, you don't often feel the need to splurge, and you like to think carefully about the best way to spend your money.

You should consider: Find cards with rewards that pay dividends over the long haul.

"There are rewards cards that will put money into your IRA, and these people will really appreciate that careful thinking approach," says Brette Sember, author of "The Complete Credit Repair Kit."

Other good choices include cards that invest rewards points into a 529 program for your child's college education or cards that allow you to pay down mortgage principal. If none of these fit the bill, consider a cash-back card so you can choose your own best investments.

You should avoid: There's little reason to get perks like low interest rates if you're someone with a responsible credit personality.

"If you pay your credit card off in full, you absolutely should have a card that gives you something back," says Aaron Patzer, CEO of "Otherwise, credit card companies will take the whole interchange fee. You should be able to get part of that back as a consumer."

Before choosing a credit card, know yours.

CREDIT CARD HELP: The basic fundamentals of credit cards

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Updated: 04-24-2019