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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.

Are credit card APR and interest rates the same thing Not exactly.

... the federal funds target rate in 25-basis-point (0.25 percent) increments. In our example, another rate hike would bring your credit card APR to 22.24 percent, and a rate cut would reduce your ...

Published:  Fri, 22 Mar 2019 04:00:00 GMT



4 Ways to Get a Low Interest Rate Credit Card

Apply for a low-interest-rate card. -- Work with your current credit card issuer. -- Apply for an introductory zero percent APR offer. [Read: Best Low-Interest Credit Cards.] Improve Your Credit ...

Published:  Thu, 21 Mar 2019 06:54:00 GMT



5.5 And Holding: Fed Promises No More Rate Increases, Shielding Credit Cards

No increase on the horizon is at least a nine-month breather ... Here's a link to a classic reprise from Columbia Business School Follies as a stroll down memory lane on interest rates. Credit card ...

Published:  Thu, 21 Mar 2019 08:36:00 GMT



Begley's Bargains: Understanding your credit cards and interest rates

According to creditcards.com, the average interest rate on a credit card is 17.55 percent. If you feel like paying with your credit card is your only option, experts say your best bet is to open a new ...

Published:  Fri, 15 Mar 2019 11:53:00 GMT



Credit Card Users With Highest Balances Pay Lowest Rates

Convenience users tend to have credit cards with higher APRs because they have no incentive to search for lower rates. Because they pay off their balances each month, they never pay interest anyway. ...

Published:  Mon, 18 Mar 2019 15:51:00 GMT



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