When choosing a credit card, it’s essential to know which features truly set a card apart and which are standard. Many credit card benefits are often oversold, making it difficult for consumers to make an informed decision. Features like zero fraud liability, free credit score, and no over-limit fees are not unique to one card and are often required by law.

Commonly Oversold Benefits

Some commonly oversold benefits include metal cards, porch piracy protection, card lock, contactless pay, mobile app, and 24/7 customer service. While these features may be nice to have, they are not unique to one card and should not be the sole reason for choosing a credit card.

Instead, consumers should focus on attributes that truly help them make a good decision, such as annual fees, rewards, interest rates, and sign-up bonuses. They should also consider other features that aren’t standard, like the ability to pre-qualify for a credit card without affecting their credit scores or gaining instant access to their card upon approval.

Original reporting: KTBS 3 (Shreveport) — read the source article.