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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

TopConsumerReviews.com 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.


Zero Interest Rate Credit Cards In The News

This Week In Credit Card News: The Lack Of Fixed Rate Cards; Consumers Regret Getting Store Cards

Cards tied to federal interest rates don't require the same heads-up before rate ... [Business Insider] 4 Ways To Protect Yourself From Credit Card Fraud Unless you avoid using credit cards altogether ...

Published:  Fri, 19 Oct 2018 13:18:00 GMT



Credit card rates on the rise

That will cost consumers nearly $2 billion more in interest charges. As rates go higher, the credit card companies are getting more creative.. with gimmicks such as cash back, rewards, and zero intere...

Published:  Wed, 17 Oct 2018 18:58:00 GMT



Half of Americans with this credit card regretted getting one

Meanwhile, four store credit cards - from Brandsource, Big Lots BIG, -8.24% Staples and Zales SIG, -2.60% - had minimum APRs at or above 29.99%. Many retailers charge higher interest rates for their s...

Published:  Thu, 18 Oct 2018 11:17:00 GMT



Rate hikes hit credit cards; hit them back

But with the rate-hike cycle showing no signs of stopping, card rates reaching record ... and the average household is paying roughly $1,300 per year in credit-card interest, and that was calculated w...

Published:  Wed, 17 Oct 2018 16:03:00 GMT



Matt Schulz Shares 5 Secrets for Managing Credit Cards When Rates Are Rising

The good news for consumers is the Federal Reserve tends to increase its rates slowly. Each increase is usually 0.25%. For most people with credit card debt, that increase doesn't amount to more than ...

Published:  Fri, 19 Oct 2018 07:39:00 GMT



A Cheapskate's Guide to Shopping for Credit Cards

There's no such thing as a "best" credit card. The key is finding one ... so they don't care about cards that have high rates. Ignoring rates can simplify shopping for the right card. "Interest rate i...

Published:  Fri, 19 Oct 2018 07:18:00 GMT



What is a Credit Limit, How is It Determined, and What Credit Cards Offer the Highest Limits

If you have bad credit or no credit, start with a card ... Note: It's important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently ...

Published:  Thu, 18 Oct 2018 09:36:00 GMT



How to understand your credit card statement and avoid penalties

Credit ... period with no outstanding amount. However, it is essential for you to know that the interest-free period is calculated from the starting of the statement date and not from the date you m...

Published:  Fri, 19 Oct 2018 10:30:00 GMT



How to Negotiate a Lower Credit Card Interest Rate

The average credit card interest rate is about 17% ... When choosing a balance-transfer credit card, you want to make sure that it offers a 0% introductory balance-transfer rate for new cardholders. Y...

Published:  Tue, 02 Oct 2018 03:48:00 GMT




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