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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 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.

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.

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Top Consumer Reviews Articles

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Zero Interest Rate Credit Cards In The News

Americans Paid $104 Billion In Credit Card Interest

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



Discover Surpasses American Express in Credit Card Customer Satisfaction

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



How balance-transfer credit cards can save money and help pay off debt sooner

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 Don't Have A Credit Card Grace Period

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



What really matters with your first credit card

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



Florida charges to No. 2 in credit use

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



3 Credit Cards With Zero Percent Interest Rates - and Why They're a Big Deal

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



Should I use my savings to pay off credit card debt

... 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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