April 27, 2018

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How to Compare Credit Card Companies

Important Things to Know About Credit Cards

Improving Your Credit


Top Consumer Reviews Articles provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

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.

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.

The Best Low-Interest Credit Card

On credit cards, interest compounds daily, at a rate of roughly 0.046% based on the current average. So charges you accrue on an unpaid balance gets tacked onto that total. Making only minimum payments of 3%, it would take you nearly six years to pay off a ...

Published:  Thu, 26 Apr 2018 07:45:16 GMT

Boomers May Be Behind on Savings, but They're Doing a Good Job of Avoiding Credit Card Debt

A good 57% of baby boomers have credit card balances of $1,000 less, according to the Insured Retirement Institute, and while $0 is, of course ... and figure out which have the highest interest rates. From there, you'll need to establish your hierarchy ...

Published:  Thu, 26 Apr 2018 03:46:00 GMT

How to Pay Less Credit Card Fees, Costs

"Really what it comes down to is what my dad likes to say which is that it never hurts to ask because the worst thing that came happen is they'll say no ... interest rates. "The reason why people are able to ask so successfully is that the credit card ...

Published:  Wed, 25 Apr 2018 19:27:00 GMT

New Marriott Credit Card Offers 100,000 Bonus Points, But Is It The Best Choice

Regardless of the travel-related credit card one chooses, avoiding high interest rates by paying off the balance as soon as possible should be the No. 1 aim, Schulz says. "One of the worst things one can do is overspend just to get credit card rewards ...

Published:  Tue, 24 Apr 2018 10:19:00 GMT

Americans in these cities rack up the most credit card debt

Unemployment rates are still historically low as well ... Consider a balance transfer. Sign up for a new credit card with a low or 0% introductory APR to reduce interest cost. Then get aggressive. Pay down the principal on your transferred balances ...

Published:  Thu, 26 Apr 2018 08:10:00 GMT

3 Cities With The Fastest-Growing Credit Card Debt

No doubt lenders will pay close attention to the ... Home equity loans and lines of credit typically have much lower interest rates than cards. A combination of economic strength and equity availability are driving down balances in San Francisco.

Published:  Mon, 23 Apr 2018 13:38:00 GMT

What you don't know about your credit card interest rates

Assuming a card is variably priced and the Fed increases rates by 0.75% this year, as expected, the average person will pay $375 more interest annually. Best way to avoid all this Eliminate that credit card debt.

Published:  Mon, 26 Feb 2018 13:41:00 GMT

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