What should you consider when selecting a credit card? Multiple Choice look for cards offered by "credit repair" companies or "credit clinics" if you intend on carrying a balance over several months, look for a card which offers an interest free grace period obtain a card from an out-of-province financial institution if it offers better terms than those offered locally. never get a credit card that has an annual fee look for a low interest rate card if you intend to pay off the balance monthly