Money Smart: Choosing the right credit card

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“What’s in your wallet?” It is a phrase you have probably heard on a credit card commercial and choosing the right one might be challenging.

When choosing a new credit card, financial experts say the first thing you should do is check your credit.  That will help determine which type of card works for you, based on the score of your credit. Experts encourage everyone to check their credit. They say you can get a report for free through one of the three major credit bureaus, once a year.

Using a site like Nerd Wallet can help compare cards and determine which card, like one that saves you money on interest or one that has a good rewards program .