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Cash Back Credit Cards: How To Play The Cash Back Game
You have seen them advertised on your television. Likely, you
have gotten their solicitations in your mailbox. Your neighbor
has one and he just got a brand new gas grille for free! So,
what am I talking about? Cash back credit cards, of...
Master The Credit Card Application
Once you decide to get a credit card, select the card that's best for you. Pick the credit card company whose total package of terms,conditions, interest rates, and incentives matches your personal needs.
The information you'll need to supply to...
Teaching Students To Keep Out Of Credit Card Debt - The Parents' Role
Parents have the full responsibility for their children and their education. It is up to parents to teach their children what's right and what's wrong, how to conduct themselves as good citizens, how to cross the road safely and generally protect...
What Is A Good Credit Score?
As a credit repair specialist, the question I hear most often is "what's a good credit score?". It seems that everyone cares about their credit score these days, with interest rates lower than ever and the easy money lending...
Where to Look for Bad Credit Loans
When trying to locate bad credit loans, many people find themselves becoming frustrated by the apparent lack of bad credit loans available. In truth, however, there are actually a large number of bad credit loans that you can get from a variety of...
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How To Get Free Credit Cards
Free credit cards - what a concept! We're all enticed by the
very word free. The more common term for free credit cards,
however, is 0% (or zero percent) APR credit cards. APR stands
for annual percentage rate. In other words, free credit cards
can refer to those that charge you no interest on the purchases
you make with them.
Years, and decades ago, the APR was standard no matter which
card you chose, and which financial provider. The APR simply
depended on the bank rates, which in turn were influenced by the
federal reserve. 18 percent was then a fairly standard APR. This
was clearly not a time when free credit cards abounded and, in
fact, competition wasn't very frenetic, because the rate was the
same no matter which card you chose.
Then, however, monoline banks came into being. These banks,
unlike the traditional financial institution that accepted
deposits and gave out loans, served simply as issuers of credit
cards. These still didn't create free credit cards, but they did
have a decreasing effect on credit card APR, because competition
for credit card users started to become stiffer. Nowadays,
unlike the past decades, you're almost certain to find
introductory promotional offers on just about every credit card.
While they won't always qualify as one of the free credit cards,
most will qualify as low interest first year credit cards. The
most popular, of course, are the free credit cards - the ones
that offer the zero percent APR at least for the first year.
What's so great about these free credit cards? The primary
usefulness is not for the new credit card user (although free
is
certainly an enticement - and useful - for novice or long time
user, young or old) but for those who already have accumulated a
hefty amount of debt from the use of cards that don't qualify as
free cards.
As an example, let's say that you owe $5000 on a credit card
whose APR is twenty percent. You're going to have to pay $1000
just to keep up with the interest. If, however, your credit card
is a member of the free credit cards family, your $1000 payment
will actually bring the principal down to $4000. What a
difference, then, these free credit cards can make!
Free credit cards can best help you get out of debt when you
transfer the balance of another high-interest APR credit card to
the account of the free credit card. You might also benefit from
free credit cards that charge no annual fee. Some of these do
this as a promotional gimmick, eliminating the annual for the
first year only, and then charging anywhere from $19 to $250
each year thereafter. Some instead charge an annual fee in
subsequent years only if you don't use the card for the number
of purchases the free credit cards companies designate as your
minimum requirement.
Morgan Hamilton offers expert advice and great tips regarding
all aspects concerning Credit Cards. Get the information you are
seeking now by visiting Free Credit Cards
About the author:
Morgan Hamilton offers expert advice and great tips regarding
all aspects concerning Credit Cards. Get the information you are
seeking now by visiting http://www.GetQualityCreditCards.com
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| Credit referencing and consumer targeting for the USA and other countries. |
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| Credit - Wikipedia, the free encyclopedia |
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| en.wikipedia.org |
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| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| 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, ... |
| credit.about.com |
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