Finding a credit card that fits your needs as a customer can be tricky. There are so many options out there, all targeted at a different perk or benefit. Once you find the right card, it might feel like the work is done, and by and large, it is. However, the experts at Evolve Open Banking have three tips for new card users to ensure you have the best experience possible.  

Read the Terms

Before signing on the dotted line, be sure to read the terms of use and card user agreements to ensure you know everything you’re opting in for. In the best-case scenario, you won’t have to worry about penalty or late fees, yet it is still important to know what you’re agreeing to by using the card. It’s especially important to know what interest rate you have and if there is an introductory rate which will later increase. The more you know, the better prepared you will be.  

Spend Wisely  

It’s always important to consider that your credit usage impacts your credit score. Try to keep a low balance and get good credit marks by paying your balance off each month. By paying off your balance each month, you’ll avoid incurring any late fees or penalty fees.  

Call the Number on the Back of your Card 

If you ever run into an issue or have a question when using a credit, debit, or prepaid card, it is important you know who to reach out to. Evolve Open Banking issues cards for many of our Fintech partners, and we think it is key that end users know how to reach out for assistance. The best way to get assistance with any card is by calling the number on the back of the card. This ensures you are connected with the appropriate customer service representative.