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      June 1, 2020

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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.

22% of millennials used their stimulus check to pay off credit card debt-here's how that could improve your credit score

Finances Survey conducted online by The Harris Poll on behalf of TD Ameritrade, 22% of millennials ages 24 to 38 who received a stimulus check already spent it, or are planning to spend it, on paying ...

Published:  Sat, 30 May 2020 11:00:00 GMT



The average credit card interest rate by credit score and card

In the first quarter of 2020, the average credit card interest rate in the US was 15.09%, according to data from the Federal Reserve.

Published:  Tue, 19 May 2020 08:11:34 GMT



Stimulus Proposal: $10,000 In Credit Card Interest Relief During Coronavirus Pandemic

Government subsidies of consumer credit card interest charges provide genuine relief to Americans in financial trouble while not encouraging them to run up unnecessary charges.

Published:  Wed, 20 May 2020 05:52:00 GMT



0% Intro APR Credit Cards Help in a Crisis, but Mind the Details

In a financial crisis like the one caused by the coronavirus, some consumers may turn to credit cards offering 0% introductory APRs to help get them through to the other side. Its ...

Published:  Wed, 20 May 2020 10:31:00 GMT



Negative interest rates: What they are, how they work and whether they are coming to the U.S.

Negative interest rates, in the unlikely event that they become pervasive, would drastically alter the playing field for savers as well as borrowers.

Published:  Sun, 31 May 2020 04:03:00 GMT



Negative interest rates would make borrowing money cheap and saving money expensive, the reverse of what we have now

There's debate as to whether the Fed will implement negative interest rates in response to the coronavirus - but chairman Powell says it isn't likely.

Published:  Sun, 24 May 2020 04:23:00 GMT



7 Ways Credit Cards Can Help Grow Your Business

A business credit card isn't just something you need to help separate your personal and company expenditures. When used properly, credit cards are tools that can help you build your business and, more ...

Published:  Wed, 27 May 2020 12:12:00 GMT



Expert: It's better to tap into a low interest rate credit card than your 401K

CEO Nicole Middendorf advises those considering a 401(k) withdrawal to look into options such as a 0% credit card instead.

Published:  Sat, 23 May 2020 07:29:00 GMT



Amazon vs. Walmart: Which retailer offers the best credit card?

Amazon and Walmart both offer free shipping and the ability to maximize savings when you open one of the retailer's co-branded credit cards, but which store has the best option?

Published:  Tue, 26 May 2020 19:43:00 GMT



Your credit card limit can be lowered without warning - what to do if this happens

Credit card companies can change the terms of your credit limit if there is activity that indicates risk, said Bruce McClary, spokesperson for the National Foundation for Credit Counseling, a ...

Published:  Fri, 29 May 2020 09:14:00 GMT



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