Credit cards are one of the most widely used financial tools that not only help one make purchases but do so much more. The right credit card can help you build a very good credit history and thereby secure the best rates on different offerings, provided that it is used responsibly.

No annual fee credit cards are the credit cards that do not require you to pay an annual fee. People often have to pay a high annual fee to earn high returns on their rewards credit card. However, no annual fee credit cards let you enjoy the benefits of a credit card with appreciated savings.

Foreign transaction fees are levied on credit card purchases made abroad, in a foreign currency, and for transactions involved with a foreign bank. An average rate of 2% to 3% is charged for these credit cards, which is not necessarily a high rate. However, it can become a significant burden to pay off.

What if you get cash back or rewards every time you swipe your credit card and shop? Yes, it is possible. With reward cards, you get points every time you shop from your credit card. You can redeem these points the next time you shop using your card. Today, some of the top credit card companies have amazing reward cards that will give you bonuses every time you fill your car gas or shop for grocery.

Secure credit cards help users out of credit wilderness. Unlike standard credit cards, secured credit cards work very differently. The cardholder needs to make a deposit prior to securing the card and it can be equivalent to or greater than the initial credit limits. The aim is to help one build their credit by reporting financial activity to credit bureaus.

As a student, surely your expenses will be more than your earnings. So, it doesn’t come as a surprise when your credit file isn’t that big or robust. For such students, various credit card providers issue some good credit cards for students that are tailor-made for them. If you apply for student credit card and make payments on time, this increase your credit score and prove beneficial in future when you decide to buy a new car or a new house.

Travel cards are reward cards as they offer users with free travel and provide the elite membership with restaurants, hotels, and airlines, among other perks. They are perfect when you are looking for redemption points or miles while shopping and traveling. Travel cards are divided into three categories: airline cards, hotel cards, and general travel cards.

Denial of Service, commonly referred to as DoS is becoming an increasingly common threat. It involves intruding into the private server and weakening the system. The attackers take over the system and send an uninterrupted message to the server for gaining complete access. It prevents the original user from accessing the device and may at times pose a serious threat.