| 0 Percent Credit Cards |
| 0 Percent Credit Cards and offers for every card are very important. Many people believe that just because the card has a 0 Percent Interest Rate that the card is free. This is not the case for these cards. There are some Zero Percent Interest credit cards that have a minimal fee that are a better choice. But if your credit is good and you can get a card that is interest free and has no interest this is the best way to go for sure. Most all companies like Citibank, Capital One, Visa, Mastercard, And American Express all offer 0 percent interest Credit cards but there is usually a catch. Most Zero percent interest credit cards only offer this rate for a limited amount of time. Always be careful that there are no restrictions when switching to one of these credit cards. Many times they charge for the balance transfers or if you fall behind on your payment even if only by a day the will prorate all of your previous balances and purchases and charge you all the interest. So always be careful to read the fine print and be aware of exactly what you are signing up for. If you are looking for a 0 percent credit card click here to see an available list of cards we have collected for you. Another Credit Card myth to always be aware of if its to good to be true it probably is. Many time you will receive a offer from the credit card company that says pre approved and just fill out this form or call for your credit card. What they do not tell you is that you are really not pre approved and that this is just a gimmick to get you to fill out the form. The trick is they may or may not give you a card but most times it will not be 0 percent and the interest rate will probably be 20 percent or higher. So just like mom always said. If its to good to be true it probably is. If you are looking for a o percent credit card offer that is truly honest in my opinion speak with a representative and go over all the fine print. Have a list of questions written down and make sure to go through all of them. It is also a good idea to write down the persons name at the credit card company so you have that as a reference in case things change later down the road. HINT- If you are in good standings with your credit card company and you currently do not have 0 percent interest with your current credit card company you can in many cases inform them that you will be transferring your balance away from them unless they match the offer you are receiving from another company. IMPORTANT CREDIT CARD FACTS A credit card company is very similar to a KASINO. In more ways than you can imagine. You might say, HOW? Let me spell it out for you. Many people think hey great Im going to get a 0 percent credit card and purchase some products that I need. They make you feel powerful and important, Sound Familiar. It should. Well as I mentioned they are just like those dreaded KAASSINOOO's They only way they make money, and a lot of it by the way is to charge you interest and finance charges and fees. They also make it sound like your APR is not going to change. Well it will. So here is what you need to know to make sure the credit card company stays honest and truly only charges you zero percent interest. Never exceed the max on your credit card. Never. Always make your payment on time. Always. And make sure to follow up on your credit card statement to ensure proper billing. These facts are the most important ones to remember. By following these rules/facts your credit card company will not be able to make money off of you and you will be able to use there money for zero extra dollars. And as I mention on the next page Congress is passing a bill that will prevent credit card companies from being able to manipulate the terms without notifying you first. Another fact that the credit card companies use to make money and for what I feel is not ethical is proration of the debt. Here is how it works. They give you a 0 percent credit card and they say have at it. Six months later they take off the free interest. Then lets say your balance s 2000 dollars. They take the 2000 dollars that was on your card and charge you interest on it. NOT only that they prorate the interest for the previous six months as well. Scandalous isnt it. Well they do this all day everyday and get away with it. So like I said earlier always read the fine print and ask a lot of questions. Because many time and when I say many I mean 99.99 they will not tell you any of this information until you are calling wondering how your bill that was always paid on time went from 2000 dollars to 2800 in one month. It happens to many so don't let it happen to you. I will continue to post information on o zero percent credit cards and for what I believe are going to be ethnic ones. No Interest Credit Cards 0 APR For those of you in search of the very best 0 APR and introductory no interest credit cards, you should start by comparing interest rates or APR’s on cards. If you tend to carry a card balance, several cards outlined below are considered to be among the top low APR credit cards available. While the introductory rate on 0 APR credit cards tends to be short term they are a great way to save money right away. When choosing to apply for one of these low rate credit cards, the interest rate or APR on the card should be one of the deciding factors in your card application choice. Because of the lower finance charges, many of these 0 interest cards are relatively inexpensive alternatives. The lower the interest rate or APR, the cheaper the card is to carry and the more money you'll save. Typically, your credit has to be excellent to qualify for one of these introductory zero interest credit cards, however. So if you carry a large monthly card balance, a low APR can save you significantly, and in some instances can save cardholders thousands of dollars, depending on the life of the card balance. The Discover More(SM) card and the Citi® Platinum Select cards are two of top introductory zero interest offers. With a 0% introductory APR (for up to 12 months) and a low ongoing APR on purchases and balance transfers, this low interest rate credit card offers an ideal choice for cardholders looking for competitively low interest rates online. Another great low interest credit card to consider is Blue® from American Express, offering both a low ongoing APR as well as a 0% introductory APR for up to 12 months on all purchases. Other low interest credit card offers include the Discover® More(SM) American Flag Card and the Pulaski Bank Visa® Card. All of these cards offer low introductory APR's, low ongoing interest rates as well as reward programs with reward points or cash back. |