Best Zero Interest Rate Credit Cards
      December 15, 2018

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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.

Important Things to Know About Credit Cards

Creating a positive and healthy relationship with your credit card starts at the beginning. Before you apply for a new credit card make sure you understand several aspects of the card before you move forward. Understanding what you're getting into before you jump into applying for a credit card will lead you to a more successful financial future.

Card Type
Secured card, unsecured, private label and more are examples of credit card types to choose from. Some of these cards require you pay cash collateral or load a balance before using. Others allow you to use anywhere MasterCard and Visa are accepted while some must be used at specific stores. Your credit history will often determine which credit card types you're eligible for.

Interest Rates
Understanding the ins and outs of your credit card interest rate is imperative before you sign the dotted line. What is the starting rate, is it fixed or variable, what will trigger a change and how much can the rate jump at once? Keeping the lowest possible interest rate on your card will allow you to affordably use your card when needed.

Comparing Credit Cards
Comparing credit cards is important. Before you choose a secured card, interest free card or any other type of card you need to compare fees, the grace period (if one exists), credit limit, and payment options. This will help you best identify the cheapest options with the most flexibility.

Payment Due Date
Credit card companies are generally pretty flexible as long as they receive the minimum payment amount on time or early each month. We can't always pay off our entire balance or make responsible choices but paying a traditional credit card payment each month should occur without fail - make sure you understand any important due dates with the card you select.

Minimize Outstanding Credit
While it's good to have and use credit cards on a regular basis it's important not to over use credit. If your credit it good enough to qualify for several credit cards it's not always smart to open several and maintain low to zero balances. Having a large some of available credit can be worrisome to creditors that aren't sure if you'll pull the trigger and get yourself into financial trouble. Maintaining a balance of 30% or less, on any credit card, is said to have the most positive impact on your credit score - next to making credit card payments on time and avoiding overdrafts.

The point is, avoid jumping into credit cards when better options exist. Make smart choices by understanding the type of card you're considering, the respective interest rate, fees, payment due dates and more can set you up for a more positive experience with your credit card company in years to come.

7 Ways To Holiday Savings Using Credit Cards

Save on interest charges by keeping balances low - or eliminating them entirely. You can check your credit score and ... consider switching to a new card. Promotional offers often feature an introduct...

Published:  Sat, 15 Dec 2018 01:12:00 GMT

Now is the best time for a rewards credit card

You may find an offer with a 0% introductory annual percentage rate (APR ... According to, the average interest rate on all credit cards is over 17% including a 17.13% average for rewa...

Published:  Fri, 14 Dec 2018 05:26:00 GMT

5 Tips for Avoiding Credit Card Debt This Holiday Season

and then he will point to a store credit card. What you should say: "no!" "A store card is a very risky choice if you're ever going to carry a balance," says Rossman. The risk comes with store cards' ...

Published:  Thu, 13 Dec 2018 07:57:00 GMT

5 Hacks to Prevent Falling Into Credit Card Debt

You can typically get a personal loan with a lower interest rate, and then you could also have consistent monthly installment payments instead of a revolving line of credit with a small minimum paymen...

Published:  Thu, 13 Dec 2018 03:43:00 GMT

Your Credit Card Holiday Guide

"What you may not realize is that a lot of those cards come along with a 25 to 30 percent interest rate on the card," said Justin Zeidman, head of credit card products at ... A great added benefit at ...

Published:  Fri, 14 Dec 2018 15:17:00 GMT

DIGGING DEEPER: Are you Really Getting a Deal with Holiday Credit Card Sign ups

(WEEK) - The next time you head to the check out counter and make that big purchase you might want to think twice about signing up for a store credit ... a of zero percent interest rate which ...

Published:  Fri, 14 Dec 2018 23:10:00 GMT

This Credit Card Comes With No Fee and a 7% Interest Rate. Here's Why It's the Best of 2018

With the Federal Reserve steadily raising short-term interest rates, credit card rates have been going up too. The good news: There are still some attractive options out there for people with good cre...

Published:  Mon, 24 Sep 2018 03:13:00 GMT

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