shopping for a credit card
Finding Credit Card Offers
What's the best way to locate credit card offers?
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Limit yourself to those you receive in the mail, because they've already been customized to your needs.
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Check with your bank or credit union.
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Respond to offers you receive by email.
"B" is correct. Take the time to understand the credit card products your bank or credit union offers. Also visit Bankrate.com and compare the rates and terms national lenders are offering. Remember: The rates and terms you receive may be different from these offers if the lender reviews your credit history and finds it lacking. Once you have a credit card, use it wisely.