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      October 22, 2017

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How to Compare Credit Card Companies

If you are searching for a zero interest credit card it may be hard to determine which one is the right one for you. Some simple steps to compare and contrast several companies will have you headed in the right direction to finding a quality card.

Research Online
Start your search online for a quality credit card company. Gather the names of several companies to compare and contrast. Independent product review companies do a great job of listing several credit card companies and do much of the comparison work for you. They allow you to quickly identify which reputable companies to go with and which ones to avoid.

Customer Service
Customer Service is important especially when you're dealing with money. You'll want a credit card company that puts the customer first. Companies that fail to answer the phone timely, are unprofessional or lacking the will and desire to work through a problem aren't worth your time. Make sure you identify if your credit card company of choice prioritizes the customer.

Balance Loading
If you're looking for a zero interest credit card you'll typically find a card that requires you load a balance first before use. When choosing a company, find one that allows you to easily make payment (or load) via efficient methods. You might look for loading stations near your home or work or other alternatives to quickly apply a balance to your card. Is there a maximum or minimum amount that must be loaded each time? Make sure you know any rules associated with balances.

Compare Fees
Compare the fees at each credit card company you're considering. Many charge a monthly service fee, a loading fee, application fee and more. You'll want to look at all aspects of their fee structure before obtaining any card to avoid surprise and unnecessary expenses.

Don't Over Apply
In the process of looking for the best credit card, don't over apply. When you do so you're credit is impacted. If two or three credit companies have rejected your credit card application donít continue with more requests. Wait for your credit score to improve with the use of a prepaid or zero interest credit card first. These credit cards generally do not run a credit check and will tell you specifically if they do.

Summary
Comparing and contrasting several zero interest credit cards at once can be organized and effective if you utilize the internet to assist. Research online by using independent reviews. Make sure they have a decent customer team by calling and asking any question you might have. Also, confirm the loading process is simple and convenient to where you live or work.

Store credit card applications skyrocket around Black Friday - but the discounts they offer come with a catch

Thankfully, shoppers no longer have to wait around for bargain holidays ... "If you tend to carry a balance on your credit card, an interest rate this high will come back to bite you," Bera wrote. Some retailers offer special financing or deferred-interest ...

Published:  Sun, 22 Oct 2017 08:24:00 GMT



Credit card interest rates poised to go higher

The Chase Slate card, for example, has no transfer fee if you transfer a balance in the first 60 days the account is open. If the average credit card interest rate is going up, you can expect the rates on store-branded cards to climb even higher.

Published:  Fri, 20 Oct 2017 09:29:00 GMT



60% of Credit Card Accounts Carry a Balance. Here's Why That Isn't Necessarily a Bad Thing.

The typical credit card charges an interest rate of about 15% per year on balances, with some rising as high as 29% when penalty interest comes into play. Given short-term interest rates are still pretty darn close to zero, paying an interest rate in the ...

Published:  Mon, 16 Oct 2017 05:12:00 GMT



Read This Before You Use a Retail Credit Card

Some cards have even higher interest rates. Brandsource's credit card charges ... You can find a standard credit card with an excellent 0% intro APR offer or an excellent introductory bonus that probably has a lower APR than you could obtain from a retail ...

Published:  Thu, 19 Oct 2017 04:02:00 GMT



6 Situations Where A Personal Loan May Be Better Than A Credit Card

Revolving debt has no finite payment you can pay as much or as little ... assuming that you make regular payments. Typically, credit cards come with higher interest rates than personal loans. Introductory offers on credit cards may make them the better ...

Published:  Fri, 20 Oct 2017 19:09:00 GMT



A Boom in Credit Cards: Great News for Banks, Less So Consumers

worked for more than two decades as a home health care aide but has virtually no savings. To help pay her electric bill and to buy groceries, she racked up a balance of more than $6,000 on a Discover credit card. The annual interest rate is 29 percent ...

Published:  Thu, 19 Oct 2017 21:32:00 GMT



Credit card debt increases again

worked for more than two decades as a home health care aide but has virtually no savings. To help pay her electric bill and to buy groceries, she racked up a balance of more than $6,000 on a Discover credit card. The annual interest rate is 29 percent ...

Published:  Sat, 21 Oct 2017 00:02:00 GMT



Store credit cards: 6 ways to stay out of trouble

in which the buyer makes regular payments to the store at litle or no cost. Of course, the easiest alternative is to shop around to find the best credit card for you before grabbing a store-card offer. The lower interest rate and other benefits of a ...

Published:  Fri, 13 Oct 2017 11:48:00 GMT



Carrying credit card debt You're not alone

A zero percent balance transfer card offers an interest-free way to pay down debt, typically over 12 months. If you don't qualify, call your credit card company and ask for a lower rate. An earlier survey by Creditcards.com found almost 70 percent of ...

Published:  Fri, 13 Oct 2017 20:19:00 GMT



Save money, stop fraud: 4 things to watch on your credit card statement

Thankfully, federal law says that cardholders are never responsible for more than the first $50 of any fraudulent charge, and nearly all card issuers waive this requirement by offering zero liability ... to your interest rate: Read your credit card ...

Published:  Mon, 16 Oct 2017 14:11:00 GMT



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