Quick note: This article is general information intended to help you compare options. Product terms, prices, availability and policies can change, so check the provider’s current information before acting.

Identify the provider

Check the legal or trading name, official website, customer support information and the jurisdiction in which the provider operates. Be cautious if you cannot establish who is behind a service.

Read the cost structure

For any financial product, identify interest, fees, penalties, processing charges, subscription costs and other applicable expenses. Look beyond a promotional headline rate.

Understand eligibility

Eligibility may depend on location, age, income, credit profile or other criteria. Never assume that an advertised product will be available to you.

Protect personal information

Only enter sensitive information on the provider’s legitimate website or official application. Use strong passwords and multi-factor authentication where available.

Keep records

Save the application terms, confirmation messages, statements and important correspondence. If a dispute occurs, having the original documents can make the process easier.

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Before you decide

Use the points above as a checklist rather than a substitute for the terms of the specific product or service. When an offer includes an affiliate link or sponsored placement, the relationship is explained in our Affiliate Disclosure.