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Are Student Loans Better Than Credit Cards?
When applying for student loans, it's so important for
prospective college students to calculate their finances as best
they can to receive the appropriate funding. From tuition and
books to room and board, living expenses and food,...
Credit Cards, Merchant Accounts, and Your Bottomline
Small Business Q&A with Tim Knox Q: I'm opening a gift shop and want to be able to accept credit cards. I talked to the branch manager at my bank, but he didn't seem to know much about how it all worked. He did say that I would need something...
Options to Avoid in Credit Repair and Building
There are several options available that make people believe it is a solution for freeing themselves of debts.
One solution you want to avoid is borrowing money from finance companies. The companies that advances for consolidating loans and...
Poor Credit Second Mortgage Loans
When bills start to pile up too high, it can be difficult to
keep up with payments. One option to solve the issue of having
too many bills is to seek a second mortgage loan. However, if
your credit is less than desirable to lenders for obtaining...
The Rewards Of Student Credit Cards
The way to help build a bright future is to extend your
education into a higher learning facility. A 2004 study by the
U.S. Department of Commerce found that a high school graduate
earns an average of $36,000 per year, while a person with...
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The Tales Of The 0% Apr Credit Card
People used to think that they had enough on their benefits with
their credit cards. They thought that the rewards they get and
the low interest they have is already enough to last a lifetime.
However, there are instances when they get to have the chance of
seeing promotions like 0% APR. Now, this is really something.
But the question is, is it true? Is there a great probability
that credit card companies can actually offer a 0% APR?
For most financial experts, they contend that it is, indeed,
possible. In fact, credit card companies would definitely go for
this kind of scheme just to get the consumers on their hook.
That sounds too good to be true, indeed. But the question is how
come they can offer something so good just like that?
Normally, 0% annual percentage rate or APR lasts only for 6
months. The countdown starts from the day the credit card is
claimed.
In most instances, 0% APR are attractive to people who would
want to have a balance transfer. This is because they would want
to consolidate all of their debts into one payment only. And
because they have a huge pile of debt, they would rather go to a
credit company that can offer them lower interest rates.
With
things like 0% APR credit card, who can resist them?
Moreover, with the 6-month timeframe, people will get to have
the chance of paying their standing debts for a whole six
month-period only. That would be a lot of savings.
But then again, 0% APR credit cards are not at all beneficial to
everybody. As they say, there is always an exception to the
rule. This refers to those who do not accumulate interest
charges simply because they have outstanding balance. So, they
wouldn't feel the necessity of getting a 0% APR credit card.
The best credit cards for these types of people are those that
offer rewards and cash backs instead of lower rates.
All of these boil down to one point, that people must be aware
on how these wonderful offers can provide them the benefit that
they want.
Indeed, there are lots of rewards and 0% APR credit card out
there. But if it will not work for those who do not really them
because of the mentioned situations, then it's best not to have
them at all. Besides, the best 0% reward is not to have a credit
card at all.
About the author:
More information about credit and credit cards is available at
stooze online
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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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