AFR February 4, 2006 The key to extracting the most value from your credit card is to understand your spending and payment habits.
If you pay interest on your credit purchases you need to consider the interest rate, annual fee, number of interest-free days, and minimum repayment amount.
Andrew Willink, advises that consumers consider all aspects of a card before applying, including the minimum monthly repayment amount if they tend to pay interest.