Who does not want a Low Interest Credit Card? And if so what stops you from getting one? A Low Interest Credit Card is one that goes with a low interest for a long period and other charges and fee, like the one for balance transfer are also low. Understanding the relevance of such charges therefore is required, particularly when each credit card company makes a different offer. It is important not to jump into conclusions. Your decision needs to be prudent, and one taken after making a comparative study among some credit cards that suit your requirement. Special attention has to be paid on the terms and conditions, and also you have to look out for hidden charges.
On the internet you can find a number of credit card sites which will make your search a lot simpler. The informative articles you find in such sites shall enlighten you on aspects you were ignorant about, and also provide you the list of credit cards, along with the incentives they offer. You can even apply for the card on these sites after you make your choice.
Certain Low Interest Credit Cards will hike their interest rates once the introductory period exhausts. In case your card does not hike its rate, or if it offers a 0% introductory rate, here is your chance to clear debts. You have to be wary of the fact that in case of a 0% card, once the time expires the new rate may be quite high, which is undesirable. The advice is to pay attention to the standard interest rate as against the initial benefits.
If you are under the burden of the credit card balance, switching from a high interest card to a low interest one is the way out. This switching offers a temporary relief which aids you to turn things in your favor and help you attain financial stability, just with a little thoughtfulness. You have to keep in mind that credit card companies prefer those with good credit records, and ones with poor credit history will find it difficult to get a low interest rate credit card or 0% introductory offer, leave alone rewards and discounts.
Someone who wants a Low Interest Credit Card to consolidate his debts will have to keep in mind that, such cards may charge high annual fee, transfer fee etc. The add-on cards, ATM withdrawal and cash advance may also cost you dearly. In case the low or nil rate of interest is only for a set period, be prepared for a reversion to high rate after the period expires. There are cards that offer 0% introductory rate and low rates later on, and some cards charge low interest on cash advances and such other benefits.
So as to reap the benefit of rolling over your high interest card with a balance to low interest one, you have spend some time on research. Never forget that the ignorant one is always taken for a ride. Your effort must be to clear your debts during the 0% introductory period. Even the relief from the burden of minimum repayment for a period can also make a lot of difference.
Low Interest Credit Cards have programs meant to help people who carry a balance on their cards. These cards help them in making purchases, or in case of a balance transfer.
Gary L. Scurry offers advice and great tips regarding all aspects concerning Low Interest Credit Cards [http://www.credit-cards-4-all.com/categories/low_apr_interest_credit_cards]. To view my picked Low Interest Credit Card [http://www.credit-cards-4-all.com/creditcard/chase-platinum-visa] visit http://www.credit-cards-4-all.com and compare Low Interest Credit Card.
Article Source: http://www.EzineArticles.com/?expert=Gary_Scurry
Monday, June 21, 2010
Sunday, June 20, 2010
0% APR Balance Transfer Business Credit Cards
Offers of 0% APR balance transfers are great deals for consumers seeking personal credit cards as well as for business owners looking for economical business cards. Learn about some of the advantages of low interest credit cards that offer a low APR, 0% intro APR as well as 0% APR balance transfers.
Business owners often incur large expenses while starting a business as well as with every day purchases and transactions. Having cards for these transactions is a necessity; having a low APR card is smart business. Business cards have much higher credit limits than most personal cards so it's important that they pay low interest on these balances. Small business owners often have a difficult enough time making a profit today without a lot of their profit being eaten up by high interest charges. Business cards are now being offered with low interest as well as 0% introductory APR and 0% APR balance transfers. These offers give owners an opportunity to save a lot of money on interest they may be paying on other credit cards that do not offer a low APR. Because businesses can carry balances as high as $50,000 or more, a lot of money can go in interest if their card is not low interest.
Business cards offer many advantages to business owners. They may offer help in tracking monthly expenses and feature quarterly and annual profit/loss reports. Another advantage is making it easier to keep personal and business expenses separate. Individual cards for employees enable business owners to track individual expenses as well. In addition, they may offer airline miles rewards for your business travel.
These are all factors that make business credit cards a necessity for business owners. Cards that feature low interest are a necessity for owners because of the large balances that are often carried. When selecting offers featuring 0% intro APR or 0% APR balance transfers, it's important to determine three things. First, find out if it will feature low interest after the 0% introductory APR period expires. Second, find out how long the 0% intro APR period lasts. Third, find out all you can about the balance transfers in terms of the 0% introductory APR. Some offers feature the 0% intro APR on balance transfers but not purchases while others offer it on purchases only and still others offer it on both. Look for offers that offer you the most in terms of long term low interest.
Bill Glass, Editor-in-chief, DealsForCreditCards.com. DealsForCreditCards.com is the leading low interest credit card marketplace, bringing consumers and card issuers together online. Our site is a free credit card comparison resource where consumers can compare hundreds of credit card offers by category.
Article Source: http://www.EzineArticles.com/?expert=Bill_Glass
Business owners often incur large expenses while starting a business as well as with every day purchases and transactions. Having cards for these transactions is a necessity; having a low APR card is smart business. Business cards have much higher credit limits than most personal cards so it's important that they pay low interest on these balances. Small business owners often have a difficult enough time making a profit today without a lot of their profit being eaten up by high interest charges. Business cards are now being offered with low interest as well as 0% introductory APR and 0% APR balance transfers. These offers give owners an opportunity to save a lot of money on interest they may be paying on other credit cards that do not offer a low APR. Because businesses can carry balances as high as $50,000 or more, a lot of money can go in interest if their card is not low interest.
Business cards offer many advantages to business owners. They may offer help in tracking monthly expenses and feature quarterly and annual profit/loss reports. Another advantage is making it easier to keep personal and business expenses separate. Individual cards for employees enable business owners to track individual expenses as well. In addition, they may offer airline miles rewards for your business travel.
These are all factors that make business credit cards a necessity for business owners. Cards that feature low interest are a necessity for owners because of the large balances that are often carried. When selecting offers featuring 0% intro APR or 0% APR balance transfers, it's important to determine three things. First, find out if it will feature low interest after the 0% introductory APR period expires. Second, find out how long the 0% intro APR period lasts. Third, find out all you can about the balance transfers in terms of the 0% introductory APR. Some offers feature the 0% intro APR on balance transfers but not purchases while others offer it on purchases only and still others offer it on both. Look for offers that offer you the most in terms of long term low interest.
Bill Glass, Editor-in-chief, DealsForCreditCards.com. DealsForCreditCards.com is the leading low interest credit card marketplace, bringing consumers and card issuers together online. Our site is a free credit card comparison resource where consumers can compare hundreds of credit card offers by category.
Article Source: http://www.EzineArticles.com/?expert=Bill_Glass
Saturday, June 19, 2010
Visa Credit Card Review For Bad Credit
As a consumer, when choosing the right credit card for you, you need to take into consideration a number of things. For example, do you make your payments on time every month? Or do you need to rebuild your credit? If you have bad credit and thus, poor credit rating, the best option available is a range of 'secured' credit cards. Generally, you can improve your credit rating in this way, where the deposit you make into the account, determines your credit.
In the following information I will show why each of the 9 credit cards I am writing about, are good.
If you need to rebuild or establish your credit and you want a low annual fee of $29 where you choose your credit limit, I would suggest the Secured Visa Platinum credit card from the Bank of America.
If you have no constant income or poor credit, the Secured Visa Credit Card from Applied Bank is a good choice, especially if you tend to make late payments. This card's annual payment rate (APR) is fixed at 9,99% regardless of late payments.
MetaBank's UltraVX Visa Card approves up to $25 000 cash on demand (patent pending) with loads of rewards, with instant approval regardless of credit rating.
The Black Diamond Visa card from Millennium Bank has quite a high ongoing APR of 19,5%, but you can get up to %100 000 travel accident insurance and you get a special high introductory savings rate. If you want to save some money, this is a good choice of card.
Plains Commerce Bank's Access Visa Card and Total Access Card both offer 24-hour online account access and excellent customer service. The Access Visa Card offers immediate online decision while the Total Access Card offers you an instant decision, as long as you go directly to the bank itself.
The nice thing about American Pacific Bank's Secured Visa card is that it offers no application processing fee. The deposit you make is the same as your credit. It is a great card if you need rehabilitation.
U.S. Bank's SkyPass Secured Visa card offers great bonus miles as a reward, especially when making your first purchase and with renewal. It also offers up to $250 000 in Travel Accident Insurance.
Lastly, for a low annual fee of $18, Wells Fargo Bank's Secured Visa card does offer higher interest rates, but you get free online access to your account, where you choose your payment due date, and you get free car rental insurance.
Luis Teixeira offers advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Apply For A Visa Credit Card.
Article Source: http://www.EzineArticles.com/?expert=Luis_JJ_Teixeira
Directory of Mastercard and Visa Credit Card Sources
In the following information I will show why each of the 9 credit cards I am writing about, are good.
If you need to rebuild or establish your credit and you want a low annual fee of $29 where you choose your credit limit, I would suggest the Secured Visa Platinum credit card from the Bank of America.
If you have no constant income or poor credit, the Secured Visa Credit Card from Applied Bank is a good choice, especially if you tend to make late payments. This card's annual payment rate (APR) is fixed at 9,99% regardless of late payments.
MetaBank's UltraVX Visa Card approves up to $25 000 cash on demand (patent pending) with loads of rewards, with instant approval regardless of credit rating.
The Black Diamond Visa card from Millennium Bank has quite a high ongoing APR of 19,5%, but you can get up to %100 000 travel accident insurance and you get a special high introductory savings rate. If you want to save some money, this is a good choice of card.
Plains Commerce Bank's Access Visa Card and Total Access Card both offer 24-hour online account access and excellent customer service. The Access Visa Card offers immediate online decision while the Total Access Card offers you an instant decision, as long as you go directly to the bank itself.
The nice thing about American Pacific Bank's Secured Visa card is that it offers no application processing fee. The deposit you make is the same as your credit. It is a great card if you need rehabilitation.
U.S. Bank's SkyPass Secured Visa card offers great bonus miles as a reward, especially when making your first purchase and with renewal. It also offers up to $250 000 in Travel Accident Insurance.
Lastly, for a low annual fee of $18, Wells Fargo Bank's Secured Visa card does offer higher interest rates, but you get free online access to your account, where you choose your payment due date, and you get free car rental insurance.
Luis Teixeira offers advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Apply For A Visa Credit Card.
Article Source: http://www.EzineArticles.com/?expert=Luis_JJ_Teixeira
Directory of Mastercard and Visa Credit Card Sources
Friday, June 18, 2010
Saving Up With Low Interest Visa Credit Cards
Gearing up to save money during the economic crisis should be taken priority. Having a credit card most of the time does not cut the chase in terms of spending wisely, as it drives you to take certain temptations, such as going on a spending spree. However, if you have a credit card and are interested to take control or at least find a way to handle your debt in the best way, then finding low interest Visa credit cards is one of the best strategies.
Visa credit cards or MasterCards are commonly known as bank credit cards. In other words, these are cards that are issued by established banks or unions. These types of cards offer support, staff, and infrastructure to support your banking practice. To put it simply, Visa allows banks to use its brand logo and provide access to its infrastructure as well as the staff and support. However, Visa cards are no different with ordinary credit cards, as they are both used for purchasing and that merchants accept both. Best of all, Visa cards are accepted in most establishments in all countries.
If you are a big spender and you use a credit card, you should take note of Visa credit cards that have low interest rates, as these affect the way you spend your money. A large interest rate can contest the use of cards versus using cash in purchasing. For example, if you buy furniture at $100 and your card gives you a 30% interest rate every month, the price of the material through the card becomes much more expensive than when you buy it with cash.
Looking for a card with a low interest is one of the best ways to save. There are some cards that offer introductory rates for interest and balance transfers. Some cards provide the customer with 0% rate from 6 to 12 months after activation but then charge an annual percentage rate (APR) on your balances after.
It should be important that you choose the right Visa card 0% for a long time and a safe annual percentage rate to avoid pile-up of debts. It is also a wise idea to shift cards once the rate goes up and transfer the balance to another card.
There are a lot of low interest Visa credit cards in the market, so picking out the best is a requirement. This is important, especially when you are considering saving up or altering your spending habits.
Laura Evert is an author who likes to give tips and ideas about credit cards, credit cards applications and personal finance. To learn more about 0 APR Balance Transfers, visit the website creditcardflyers.com
Article Source: http://www.EzineArticles.com/?expert=Laura_Evert
Visa credit cards or MasterCards are commonly known as bank credit cards. In other words, these are cards that are issued by established banks or unions. These types of cards offer support, staff, and infrastructure to support your banking practice. To put it simply, Visa allows banks to use its brand logo and provide access to its infrastructure as well as the staff and support. However, Visa cards are no different with ordinary credit cards, as they are both used for purchasing and that merchants accept both. Best of all, Visa cards are accepted in most establishments in all countries.
If you are a big spender and you use a credit card, you should take note of Visa credit cards that have low interest rates, as these affect the way you spend your money. A large interest rate can contest the use of cards versus using cash in purchasing. For example, if you buy furniture at $100 and your card gives you a 30% interest rate every month, the price of the material through the card becomes much more expensive than when you buy it with cash.
Looking for a card with a low interest is one of the best ways to save. There are some cards that offer introductory rates for interest and balance transfers. Some cards provide the customer with 0% rate from 6 to 12 months after activation but then charge an annual percentage rate (APR) on your balances after.
It should be important that you choose the right Visa card 0% for a long time and a safe annual percentage rate to avoid pile-up of debts. It is also a wise idea to shift cards once the rate goes up and transfer the balance to another card.
There are a lot of low interest Visa credit cards in the market, so picking out the best is a requirement. This is important, especially when you are considering saving up or altering your spending habits.
Laura Evert is an author who likes to give tips and ideas about credit cards, credit cards applications and personal finance. To learn more about 0 APR Balance Transfers, visit the website creditcardflyers.com
Article Source: http://www.EzineArticles.com/?expert=Laura_Evert
Visa Cards Offers - Low Introductory Rates and More
Visa cards are ubiquitous, it seems. It may be because Visa offers various credit card products for so many customers to fit their needs. Businesses, students and individuals can get cards for any number of purposes, and many of the cards are available online. As when signing any other contract or entering into any other financial arrangement, consumers should be certain to carefully read the Terms and Conditions before taking out a credit card.
Many Visa products offer low introductory rates, often down to 0% APR on purchases and balance transfers, and many have no annual fees. Balance transfers to new cards with low introductory rates are very common, and low rates on balance transfers may be the most important factor to some consumers who have large balances on high-interest cards. As an added incentive to consumers to do business with them, some companies' Visa products also allow users to earn reward points that can be used toward cash or travel or airline tickets.
Citi's Platinum Select Visa card, for instances offers 0% APR on purchases and balances transfers for up to one year. After the one year, the normal APR will be 10.49% with no annual fee, though the APR for cash advances will be higher. Of course, keeping the low rates depends on a number of conditions, as is common to credit card companies. If the cardholder defaults on other loans, for instance, the APR can increase dramatically to the 30.99% variable default rate. Using the card overseas can incur charges, as can using it for cash advances. Reading the Terms and Conditions is essential.
A similar deal is offered by Chase on its Platinum Visa card. The introductory rate is the same 0% APR, and cardholders can enroll in rewards programs to earn free hotel stays, flights and more. Online bill paying and secure accounts are available as well. Again, the rates vary for balance transfers and cash advances and increase after the first year. However, the procedure to apply for a credit card is all basically the same.
Other cards, such as Discover's Platinum card, offer similar rates and 5% cash back rewards. Sometimes, reward points or cash rewards are increased if the cardholder shops at certain stores. Often bookstores, gas stations, home improvement centers and restaurants will team with card companies to encourage cardholders to spend their money in those establishments. Some card companies even offer gift cards just for applying for their credit product.
The most important thing to remember when shopping for a credit card is to read the Terms and Conditions that apply to the account. If you don't understand what you're going to be responsible for and end up finding yourself deep in debt because of it, no rewards program in the world is worth it. Consumers should be familiar with the APR charged for each type of transaction and of any fees that may be incurred from other activities, all of which will be covered explicitly in the Terms and Conditions.
Today is the perfect time to find out more about procedure of applying credit card. You can benefit from our years of experience, visit everlife.com.
Article Source: http://www.EzineArticles.com/?expert=Landon_McGehee
Many Visa products offer low introductory rates, often down to 0% APR on purchases and balance transfers, and many have no annual fees. Balance transfers to new cards with low introductory rates are very common, and low rates on balance transfers may be the most important factor to some consumers who have large balances on high-interest cards. As an added incentive to consumers to do business with them, some companies' Visa products also allow users to earn reward points that can be used toward cash or travel or airline tickets.
Citi's Platinum Select Visa card, for instances offers 0% APR on purchases and balances transfers for up to one year. After the one year, the normal APR will be 10.49% with no annual fee, though the APR for cash advances will be higher. Of course, keeping the low rates depends on a number of conditions, as is common to credit card companies. If the cardholder defaults on other loans, for instance, the APR can increase dramatically to the 30.99% variable default rate. Using the card overseas can incur charges, as can using it for cash advances. Reading the Terms and Conditions is essential.
A similar deal is offered by Chase on its Platinum Visa card. The introductory rate is the same 0% APR, and cardholders can enroll in rewards programs to earn free hotel stays, flights and more. Online bill paying and secure accounts are available as well. Again, the rates vary for balance transfers and cash advances and increase after the first year. However, the procedure to apply for a credit card is all basically the same.
Other cards, such as Discover's Platinum card, offer similar rates and 5% cash back rewards. Sometimes, reward points or cash rewards are increased if the cardholder shops at certain stores. Often bookstores, gas stations, home improvement centers and restaurants will team with card companies to encourage cardholders to spend their money in those establishments. Some card companies even offer gift cards just for applying for their credit product.
The most important thing to remember when shopping for a credit card is to read the Terms and Conditions that apply to the account. If you don't understand what you're going to be responsible for and end up finding yourself deep in debt because of it, no rewards program in the world is worth it. Consumers should be familiar with the APR charged for each type of transaction and of any fees that may be incurred from other activities, all of which will be covered explicitly in the Terms and Conditions.
Today is the perfect time to find out more about procedure of applying credit card. You can benefit from our years of experience, visit everlife.com.
Article Source: http://www.EzineArticles.com/?expert=Landon_McGehee
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