Howard Dvorkin, founder of Fort Lauderdale, Florida-based Consolidated Credit Counseling Services and author of “Credit Hell: How to Get Out of Debt,” says that when it comes to picking a credit card, “people have to sit down and think about what’s important to them.” There are some questions that shoppers can ask themselves regarding how they plan on using the new card, such as are they going to carry a balance from month to month, pay on time, use the card for almost everything the buy? If the person plans to pay on time, then the interest rate doesn’t really matter. I this card will be used a lot, looking for a strong rewards program is a great idea.

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