Three of the most important questions he needs to ask are the following: 1. Are you making a big purchase? This is important because the bigger the pruchase the better attention he needs to have into interest rates. 2. How are you paying off your card balance? the payment can be in one payment or in different ones. And 3. Would you like free bonuses with your purchase? some credits offer that some others not. It is very important to have that in mind