Choose credit cards wisely

Americans have a complicated relationship with credit cards. Most of us won't leave home without them.

But ask the average consumer how she feels about credit card companies, and you're likely to hear words you can't say on prime-time TV.

A survey by J.D. Power and Associates found that credit cards have the lowest customer satisfaction level of all financial services. On a 1,000-point scale, card companies received an average satisfaction rating of 658.

Credit card issuers lagged behind mortgage services (798), online brokerage firms (773) and retail banks (763) on the satisfaction scale.

Still, choosing the card that best suits your borrowing habits can improve your credit card experience, said Jeff Taylor, senior director of banking practice for J.D. Power.

The J.D. Power study divides credit card users into two categories:

TRANSACTORS

These are people who usually pay off their balance each month. These folks tend to be more satisfied with their credit cards than are cardholders who carry a balance.
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[Source: Yahoo! News Search Results for credit cards]