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See below are some essential factors to keep in mind:
* Perks:
What kind of rewards are you looking for? Shopping rewards? Balance transfer offers?
* Interest Rates: Understand the cost of borrowing before you apply.
* Charges: Be aware of any annual fees that might apply.
* Credit Limit: Choose a spending cap that matches your budget.
Don't forget: Your credit rating will affect the cards you can cc shop access.
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