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0 Percent Balance Transfer No Fee
Many consumers look at the APR and think there’s only one rate, and that’s that. Bear in mind, however, that a credit card can have numerous APR rates. As an example, cash advances typically come with the highest APR; whereas purchases on the other hand are usually a much lower APR. Quite often, lowest of all is the introductory rate for balance transfers, which can sometimes even be a 0% balance transfer with no fee. For example, a $25,000 cash advance with your credit card could show up with a fat 23% APR. But, buying a flat panel Plasma TV slides in at “only” 19%. Four percent may not sound like much but over time the charges add up. Use credit cards with care. You should only use your credit card when you have a dire need. You can also use your card to pay for purchases that you can afford and pay back before the end of the month and within the grace period. If you have a high balance on a credit card that charges a high rate of interest, you might want to see if you can find a credit card with 0 percent balance transfer, no fee. Getting a new credit card might not seem like a smart thing to do when faced with mounting credit card debt, but it may actually make sense and end up saving you a lot of money as well. If you are asking for a high credit limit in order to blow it on fast cars or faster women (or men), you’re better off not doing it. The credit card company will give you what limit they think is sensible. You may ask for a $15,000 limit, and end up a $4,000 credit limit from one bank, yet a $15,000 limit from another bank. Article Directory: http://www.articledashboard.com SmartCreditChoices.com has many credit card offers including balance transfer credit cards, 0 apr credit cards and much more. |
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