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Balancing The Benefits Of Reward Programs Against Credit Card Costs
0 APR credit card APR, cash back and optional rewards etc. are
several reasons for any one to opt for a good credit card. They
are also a useful and a smart way to meet ones financial needs.
Most of the credit card companies offer most attractive...
Credit Cards - Friend or Foe?
At one time or another most all of us apply for and get more credit cards than we need. We feel like we have to be able to purchase almost any type of item at anytime, whether we can really afford it or not. Having several credit cards allows one to...
Credit where it's due
Over recent years, many people have been happy to take on more and more credit. Mortgages, credit cards, overdrafts, personal loans, store cards, store deferred payment schemes, mail order and hire purchase the list goes on. Credit cards have been...
Debt Consolidation – How to Protect Your Credit Accounts from Theft
Last week, a security exploit at CardSystems Solutions, Inc, a credit card processor, may have allowed thieves to obtain as many as 40 million credit card numbers from unsuspecting victims. The theft was brought about though a virus introduced into...
Free Credit Reports For You
American consumers are now entitled to receive one free copy of their credit report per year from each of the three major credit reporting agencies. Equifax, Experian, and Trans Union are now all required by law to furnish to you a copy of your...
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Less Interest Credit Cards - Paying Less Is What Matters!
Consider yourself lucky if you can lay your Lands on one of
those less interest credit cards. They offer great rates so it
is easier, to pay off your balance in a timely manner.
These cards are useful for persons who make large purchases on
their credit cards, or even those that use their card for
everyday purchases. So, if you are serious by making a research
on less interest credit cards, consider these factors during
your search.
(i) Credit Score: - To qualify for a less interest credit cards,
you must have a great credit card. There are several scores that
fall in the "excellent credit" and in the "good credit" groups
in terms of the credit bureaus. If your score falls into one of
these categories then the cardholders are those with flawless
Credit Score.
(ii) Common Rates: - The common interest rates are 9% and 15%.
These are considered as lowest rate of interest. Those who make
large purchases they can avail these credit cards with such
rates of interest.
(iii) Introductory offers: - If you avail a less interest rate
credit card, you can enjoy some of the best introductory offers.
These credit cards offer an entire year with no APR.
(iv) Fees: - A less rate interest credit card never charges any
annual or enrollment fees. Even if they do it would be one
of
the rare cases. This quality makes the credit card a valuable
asset for the people who own it. That is why most companies do
not charge unnecessary fees to deter cardholders from applying.
So, if you come across with some credit card, which charge some
interest rates, you need to look elsewhere for your card. Those
with great credit should never pay these fees; for they are
never pay those fees, for they are intended for high risk card
holders with bad credit.
Less interest credit cards can be extremely helpful when it
comes to your credit card finances. The amount of interest you
have to pay, the better off your finances are in the long run.
But you should do a proper research on your less interest credit
card choices before applying. These some3 cards, which offer
less interest rate for the first few months and then they may
raise it dramatically.
Your decision can be wise only if you are well informed about
the terms and conditions of the credit card. So do not get
carried away with the less interest rate offers, which may have
some hidden charges in it. Research properly and apply for it.
About the author:
Andy Eaton is the owner of www.credit-cards-4us.com a site
decdicated to helping consumers find the right credit cards,
helping them get out of debt.
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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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, ... |
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