It is beyond ones dignity or so it seems to open one`s purse to pay in cash be it in a Mall, a hotel or anywhere else and more credit cards one possesses that much more one is looked up to. A sorry state of affairs indeed. But that is society norm and there is nothing one can do about. it.

There are as many offers on credit cards as there are takers, with varying limits. gifts, concessions, money back, low interest, discounts, balance return all attracting the gullible customer who is not able to see beyond its nose.

There are credit cards offering Hotel Rewards where one earns points when one pays using a credit card either for a stay or a meal had in the hotel These points sometimes make the credit card holder eligible for upgrading the hotel stay.

Travel Rewards is another attraction where points are collected depending on the mileage and bills paid through credit cards. These points are added and free travel tickets given or even purchases made.

To attract more users there are credit cards with no annual fee but the hidden cost is that the interest rate is higher but there are buyers for this type of credit cards as well. These payment terms suit some.

For car owners there are gas points collected which go towards gas purchase and auto maintenance. This type of credit cards attracts many as any one who owns a credit card surely would own a vehicle too.

There are credit cards for college students where timely payment attracts rewards and this is an incentive that raises their credit worthiness which will help them maintain this standard as they get on in life.

The credit card that is issued for business expenses could be the best card as heavy concessions are granted on this type of credit cards.These cards assist large, medium or small businesses.The advantages these cards offer are that there is no annual fee, the interest rates are low, there are limits prescribed on employee spending and reward points given. There are choices in these cards that could be made.

The prepaid credit cards which are also known as debit cards give peace to owners of these cards as there is no tension of over spending. There is no interest charged either. The terms are – 0 activation fee, with no credit check, cash withdrawals at many ATMs, Online purchases, no monthly fee but with limited purchases, no transaction fee.

The Balance transfer Credit Cards allow one to make balance transfers immediately - so one can start saving with a lower interest rate immediately.One can Enjoy Discounts on Gift Cards, Travel, and purchases. There are credit cards with cash back rebates for every day purchases but these do have terms with higher interest rates.

The APR on each of these cards depend on the limits and perks offered and these rates range from 9.9% to 22%and above. It would be desirable to read the terms and conditions carefully before opting for any of these Credit Cards. A comparative study of the credit cards available would not be out of place.