Credit card research 2021

In October 2021 I did some research on getting a credit card for the first time.

Reasons I hadn't bothered getting a credit card until now

• Mostly, I was too lazy to do the research and didn't have an urgent need
• I don't buy a lot of things, so some of the benefits of a credit card don't matter to me

Reasons I decided to get a credit card

• I was taking care of a few other financial things, so I was already in the "mood" for doing some credit card research
• I recently learned that credit cards seem to have better protection against false purchases made using the card
• Some travel plans meant I was expecting to make more purchases, and might benefit from some more of the benefits of a credit card

Choice of credit card

Factors that were important to me

• No foreign transaction fees
• No deposit require (i.e. not a secured card)
• No annual fee (don't want to be incentivized to make purchases)