Whether you’re looking for your first credit card or you already have several, it’s not always easy to figure out how to choose the right credit card. With so many options available, it can be overwhelming to determine which credit card suits your needs.

A credit card default can drop your credit score and prevent you from borrowing money. Here's how to avoid a credit card default.

Credit card networks allow banks to communicate with each other and process transactions. Visa, Mastercard, Amex, and Discover are the major U.S. credit card networks.

A secured credit card functions similarly to a debit card. However, you’re essentially relying on your cash deposit, which is what translates to your secured line of credit to make purchases.

From good vs. bad rates to avoiding common pitfalls, credit card APR can significantly impact your financial health.