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Credit Cards For People With Bad Credit Scores
Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. Some creditors may let you slide a month or two, but your records will...
Getting a Debt Consolidation Loan with Bad Credit
If you've ever tried to get a debt consolidation loan with bad credit, then you know that it isn't always easy. It may seem odd that you can have such trouble being approved for a loan designed to help people who are in debt, but many lenders can be...
Getting approved for a credit card
It is a fact of modern life that credit cards are an
increasingly essential financial tool. There are many situations
in which if you do not have a credit card, you will either be
unable to pay for goods and services, or to take up...
How To Get A Credit Card No Matter How Bad Your Credit Rating
Your credit is bad. Perhaps you have a string of unpaid bills haunting your past. Maybe you declared bankruptcy within the past 10 years, or defaulted on a student loan.
All of the above can block your access to obtaining a major credit card, such...
Identity Theft and Credit Reports
To say that Identity Theft has reached epidemic proportions in the UK doesn't appear to be any exaggeration on the facts which are commonly bandied about... even by totally responsible organisations.
If, as I read, 80% of Councils have reported...
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Credit card interest rate
A low credit card interest rate is important in order to save money.
Your credit card interest rate is one of the biggest things that you should pay attention to when you decide to get a credit card. This is the amount of money that you'll end up paying on top of the actual cost of whatever you put on your card. As you can imagine, low interest rates are always better than high interest rates.
However, that does not always mean that a low credit card interest rate is enough to make that card the best available for you. Instead you need to check several different things about every card that you are thinking of buying before you make your final decision.
You may want to make sure that you have decided on the most expensive interest rate that you can possibly pay, and then choose from the cards that have interest rates lower than that. This way, you'll know that once you find the right card, it will actually be the best one for you and will have a credit card interest rate that you can pay.
Another thing that you should consider is that there are some factors which may mean
that you should go with a higher credit card interest rate. For instance, if you are not going to use your credit card very often, or for large purchases, then you might want a slightly higher interest rate and no annual fee. On the other hand, since most annual fees are pretty low, it's most likely that you should go with the lower interest rate.
Some credit cards also have rewards programs, and it might be worth it for you (depending on the interest rates) for you to pick a card that has the rewards program that you want.
Finally, something to watch out for when it comes to low credit card interest rates is that these rates are sometimes only joining bonuses. Make sure you know how long the low interest rates will last and whether or not they are only for a limited time. If they are for a limited time, you should make sure that the higher interest rates afterward are also affordable for you.
About the Author
Jakob Jelling is the founder of http://www.cashbazar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.
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| News and resource directory about credit unions. |
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| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
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