3 On Your Side

Alert: Review credit card offers before accepting

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(3 ON YOUR SIDE) -

If you're considering getting another credit card, Consumer Reports say there are a ton of options you need to consider.

First and foremost, is the interest rate. Make sure it's low and competitive.

Next, consider the perks that come with that card.

Some financial institutions offer upfront bonuses: Those bonuses sometimes come in the form of cash upfront just for signing up or after you spend a certain dollar amount

Other rewards might include a teaser rate: It's an extremely low rate, sometimes 0 percent, and it's offered at the beginning to entice you into signing up.

That might be attractive if you carry a balance or are considering transferring a balance from another card. However, make sure you read the fine print to know when that period ends otherwise it might cost you more in the long run.

If you are transferring a balance, check for balance transfer fees. If you're transferring a $2,000 balance, and the balance fee is 3 percent, you'll have to pay a $60 fee.

Other cards offer free airfare or flight miles, which sound attractive, but be careful. In many cases, there are restrictions or blackout dates meaning you might not be able to fly when you want.

If you're trying to build up credit or your credit score is low, consider a secured credit card.

It requires you to pay a security deposit, which is your credit limit.

But secured credit cards help you to become more disciplined when it comes to spending.

And remember, not all credit cards are offered to everyone. Cards are available to consumers with poor, good and excellent credit. But, only the best rewards are offered to consumers with a score of 740 and higher.

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Copyright 2018 KPHO/KTVK (KPHO Broadcasting Corporation). All rights reserved.


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Gary HarperGary Harper is the senior consumer and investigative reporter for 3 On Your Side at KTVK-TV.

Click to learn more about Gary.

Gary Harper
3 On Your Side

With more than 20 years of television experience, Gary has established himself as a leader in the industry when it comes to assisting viewers and resolving their consumer-related issues. His passion and enthusiasm have helped him earn an Emmy for Best Consumer Reporter from the National Academy of Television Arts and Sciences. He’s also garnered several Emmy nominations

He has negotiated resolutions with companies of all sizes, including some of the biggest corporations in the nation.

Gary has successfully recouped more than $1 million for viewers around the state, making 3 On Your Side one of the most popular segments on KTVK and the station's Web site.

He's best known for investigating and confronting unscrupulous contractors. In fact, many of his news reports have led to police investigations and jail time for those who were caught. Viewers, as well as the companies and people he investigates, regard him as consistently being thorough and fair.

Gary has been with KTVK-TV since 1997. Prior to his arrival in Phoenix, he worked for WZZM-TV in Grand Rapids, Michigan, where he was as an anchor and reporter.

Gary is from Chicago, but launched his television career in Lubbock, Texas, after earning a broadcast journalism degree from Texas Tech University. Following his graduation, he was quickly hired by KLBK-TV in Lubbock, where he enterprised and broke numerous exclusive reports. His aggressive reporting in Texas helped garner him Best Reporter by the Associated Press.

Gary has been married since 1994 and is the proud father of two sons. When he's not helping viewers, Gary is busy catching up on his favorite college and professional football teams as well as cheering on his beloved Texas Tech Red Raiders.

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