Having a credit card is also convenient while traveling, especially when credit card only perks across the world are in the mix. These perks come into play when you choose a credit card. This is why it is so important to read the contracts that you sign. There are often so many perks that are involved with rewards credit cards that a company may not outwardly show you, so that they do not have to deliver on their end, since they rely on people not reading the fine print. Read the fine print and ask questions. Go to your bank and come with a list of questions for the credit card that you are interested in applying for. If you are unable to go into your bank, call your bank. Do not let anything stop you from asking the questions that you need to ask in order to make the most of your credit card decision.