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  • Despite all we hear about , credit cards continue to be an important part of our lives and are necessary for many transactions. After all, you can’t qualify for many credit products and loans if you don’t have a credit history! So as long as we have to use them, wouldn’t it be great to know which credit cards are the best to apply for and which are best to avoid? This overview of the best credit cards of 2015, as well as our many other , can help you make an informed decision.

    ith 2016 in full swing, it seems like a good time to review some of the best credit card offers available. Carrying the right credit card(s) for your spending habits is not only the responsible thing to do, but also the smart thing to do. Credit cards get a bad rap sometimes, especially when you start to see the fees and interest piling up. But the best credit card offers include cards that award cash back, points and miles, and even 0% APR introductory rates – all for little to no annual fee and comparatively low interest rates.

  • As the new year begins, it’s a good opportunity to review the best credit card offers available and see which — if any — make sense for you. The best credit cards of 2014 offer a combination of sign-up bonuses, reward programs, low-APR promotional periods, and other benefits that can be used to your advantage if you pay attention.

    . Right now, the best credit card offer for balance transfers is Chase Slate. Open a card with an offer like this when you have a balance on a card with a high interest rate that you’d like to pay off without owing additional interest. For example, if you have a $15,000 balance on a card with an ongoing APR of 15%, you could save $2,250 by moving that balance to Slate from Chase and paying the remainder of the $15,000 before the introductory period ends.

  • Signing up for any one of the best credit cards is a piece of cake, but do you know how to optimize them? Unfortunately, figuring out how to use the features your credit card offers isn’t always easy. Many times, the terms and conditions of the most lucrative perks are buried in the terms and conditions. Meanwhile, the rewards programs can be difficult to decipher, and the points, hard to redeem. If you want to get the most out of your credit cards, the first thing you should do is arm yourself with information. These tips and strategies can help you do just that:

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If you want to make a payment on your Best Buy credit card through the mail, you have to send your check or money order to the address printed on your billing statement. Unlike many other companies, they have multiple billing centers based on location and which in-store credit card you might be using. Before mailing out your payment, write your credit card account number on the check or money order to make sure that the payment gets credited to your account properly.