Are you looking to build good credit?
You build a good credit history by using a credit card wisely. Make purchases and then pay your credit card bill in full every month. If you are confident that you won't carry a monthly balance, look for a card with no annual fee. High interest rates won't matter since you won't be paying interest anyway. Your card should have a 20-to 30-day grace period so that interest won't be charged if you pay the balance in full every month.

Are you looking for convenience?
Having a credit card is much easier and safer than carrying large amounts of cash with you. If you plan to pay the balance in full every month, look for a card with no annual fee and a 20-to 30-day grace period. Mind you, a bank debit card will be just as convenient. It won't allow you to build credit, but it won't let you stockpile debt either.

Are you looking for the freebies?
Some cards allow you to accumulate points with every purchase towards free merchandise or airline miles. Be aware that these cards usually have a large annual fee and a high interest rate. You might be better off buying whatever freebie you're trying to earn.

Are you likely to carry a balance?
It's not a good idea to carry a balance on a credit card. But if it's too late and you're already carrying one, seek out a card with a low interest rate. Then find out how much they'll charge you to transfer your balance (and ask about the annual fee while you're at it). Also find out if the interest rate is permanent, or is only an introductory rate, which usually lasts for about six months. The Cost of Credit Calculator will help you determine how much the switch will help you save in interest. If you can save more in interest than you pay in fees, it's a good deal. If not, keep looking. In any event, the most important thing is to pay off your credit card balance as soon as you can -- even if you have to live on KD for two months.