With so many credit cards claiming to be the best, you may be fooled into thinking that one card offer is pretty much like the next. Not true! Selecting just the right credit card can be a major financial decision. So, before you sign up for any offer, consider these three key suggestions for getting the best deal for you.

Be honest with yourself. What are your actual financial habits and credit needs? The way you plan to pay your bills is important when it comes to choosing a card. Carrying a balance every month, instead of paying your balance in full, can drastically change what you are shopping for. Likewise, the credit limit, rewards programs, and other cardmember benefits you apply for require thoughtful consideration. Don't pay extra for anything you can't use, and don't over-extend yourself financially - it can lead to major problems later on.

Ask questions, questions, questions. The detailed information in the Terms and Conditions and other credit card small print can be difficult to understand. Contact your credit card company to clarify any questions or concerns you have.

Ask if they can do better. They probably can! When you understand all the details related to the credit card offer, ask if they can do better - their best offer may not be the first deal they offer you.