ENGLISH READING

CHOOSE THE BEST CREDIT CARD
There are many things to consider when choosing a credit card. It is best to take the time to look at the possible financial risks before you apply for any card.
You must first decide how you will pay off what you owe. Will you be able to pay your bill in full each month?
If you are not planning to pay your credit card bill in full every month, you'll have to look at the Annual Percentage Rate.
This is the interest applied to your debt after the grace period. A higher Annual Percentage Rate will result in higher finance charges on your bill.
If you are a good customer and you have a great credit history, the credit card company may offer you a prime rate.
This interest rate is lower than the interest rate given to most customers, which can help you pay your debt sooner.
Some cards may offer rewards, and customers can benefit from these programs.
Before you make your move and decide on a credit card company, find out all you can about it.
Can you rely on the credit card company to answer all your questions?
Will you get a lower interest rate when your credit improves?
This may help you avoid penalties and prevent serious financial problems that can be difficult to recover from.

According to this magazine article, what should you consider when choosing a credit card?
(A) financial risks for the bank •
(B) the best way to pay your debt sooner •
(C) the rate of interest charged •

(D) the highest interest rate you will be charged