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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.
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 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.
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 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 don't 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.
Top Consumer Reviews Articles
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Zero Interest Rate Credit Cards In The News
That is up 11% from the prior year, 35% over the last five years and shows no signs of slowing. Debt will only become more expensive as the Federal Reserve continues to increase interest rates. Most c...
Published: Thu, 16 Aug 2018 11:24:00 GMT
low introductory interest rate, or low on-going fees. Most of these cards also have reasonable rewards programs and additional card perks. Low Interest Credit Cards 0% Intro Rate Credit Cards Balance ...
Published: Fri, 17 Aug 2018 09:07:00 GMT
What if you use the American Express EveryDay, which requires no balance transfer fee and ... 1 to 3 percent or around $25 - your credit card issuer will put it toward your balance with the lowest int...
Published: Sat, 18 Aug 2018 08:18:00 GMT
When you make a balance transfer, you are effectively paying off one credit card with another, usually to get a better interest rate and take advantage of an introductory 0% APR period. It's unlikely ...
Published: Fri, 17 Aug 2018 19:06:00 GMT
Getting your first credit card ... Look for a card that will reward you for the spending you're already doing to avoid overspending to land a sign-up bonus. Keep in mind that cards with rewards tend t...
Published: Sat, 18 Aug 2018 09:57:00 GMT
Despite cutting the cord on some traditional expenses - such as dropping telephone land lines by 17 percent in a year - Floridians are replacing them with other spending and ringing up credit card deb...
Published: Fri, 17 Aug 2018 19:03:00 GMT
Paying off credit card debt is a common New Year's resolution, but you might want to get started on it right now. Multiple credit cards currently feature a zero percent introductory annual percentage ...
Published: Mon, 11 Dec 2017 16:00:00 GMT
... considered "good debt" at a relatively low interest rate. But credit card debt is another story. Average interest on credit cards is around 15%. Meanwhile, savings accounts typically pay around 0. ...
Published: Thu, 15 Feb 2018 09:42:00 GMT
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