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      January 19, 2018

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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.

How do you pay off all that credit-card debt

But she warns that consumers should be cautious about opening up a number of new credit cards just for the low- or no-interest rate. Each time a lender looks at the potential cardholder's credit in order to open a new account, the person's credit score ...

Published:  Mon, 15 Jan 2018 11:45:00 GMT



What to do about your debt after the interest rate hike

Focus first on what is considered bad debt like credit card debt, lines of credit or any kind of debt with higher interest rates and no future investment. Pay off the debt with the higher interest rate first, but also consider what debt you have that is ...

Published:  Fri, 19 Jan 2018 05:44:00 GMT



Why you should pay down credit card debt before it's too late

Credit card interest rates are expected to increase this year. That's why you should make paying off any outstanding balances you have a top priority. Right now, there are several cards where you can transfer your current balance to a card with zero ...

Published:  Tue, 16 Jan 2018 12:20:00 GMT



4 Credit Cards for Low Spenders

Sign-Up Bonus: None Annual Fee: $0 Annual Percentage Rate (APR): Variable ... Low spenders should avoid credit cards with annual fees and high interest rates. Remember, paying off your credit card balance in full every month is the best way to reduce ...

Published:  Tue, 16 Jan 2018 03:40:00 GMT



4 Reasons to Cancel Your Credit Card -- and 1 Reason to Keep It

If you spend less than that, then there's no reason to switch to Card X ... and a higher score means access to better terms and interest rates. While closing your credit card isn't likely to tank your score on its own, it could reduce the average age ...

Published:  Wed, 17 Jan 2018 15:18:00 GMT



New Credit Card Offers 10 Percent Cash Back at Hotels

Rewards credit cards, including cash-back cards, tend to have higher interest rates than other types of credit cards. The Ebates credit card is no exception. Its annual percentage rate (APR) for purchases is 20.99 percent or 25.99 percent, depending on ...

Published:  Thu, 18 Jan 2018 17:00:00 GMT



How to get free flights and earn cashback by signing up to a credit card

The interest rates on credit cards are high, with typical interest of around ... So make sure you cancel before the end of the 12 months if you feel the card is no longer beneficial to you. With the Gold card you'll get 20,000 points, which converts ...

Published:  Fri, 19 Jan 2018 04:33:00 GMT



COLUMN: Should Congress cut up Uncle Sam's credit card

They have clashed with other lawmakers who believe the debt ceiling should be raised and the country should go into more debt with no questions ... low interest rates. But Congress' approval is important. When you ask your credit card company, it ...

Published:  Wed, 17 Jan 2018 20:10:00 GMT



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