What question do you need to ask yourself when shopping for a credit card?

1. Do I need this card?

2. What are the benefits in this card?

3. What are the charges in using this card?

4. Are there any annual fees? If so how much? Is any other bank offering a card at a cheaper rate?

5. What are the interest rates? If so how much? Is any other bank offering a card at a cheaper rate?

etc...