Zero Interest Rate Credit Card Reviews
Zero Interest Rate Credit Card Reviews
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The Horizon Gold Card is a completely unsecured credit card that does NOT require a credit check or an initial security deposit to get you started! You can use your Horizon Gold Card at , an online superstore with all your favorite goods and brand names.
There is absolutely no credit check required to get your Horizon Gold Card. All you need is a debit or credit card open in your name, proof of identification, and a valid US street address! Once all these things are verified, you'll be approved! Everyone is approved for the Horizon Gold Card so bad credit and no credit consumers are welcome.
You'll receive a Horizon Gold Card with a $500 unsecured credit limit. This Horizon Gold Card is NOT a credit card in the traditional sense; it is only good at ! This is a great way to get the stuff you need, without having to go through embarrassing credit checks or putting down costly security deposits.
The Horizon Gold Card has a 0.0% interest rate for ALL of your purchases. There is a minimum monthly payment due, but you WON'T accrue interest on any balance you carry from month to month. Plus, all Horizon Card Services members are automatically enrolled in our monthly membership benefit plan.
The monthly membership benefit plan includes a $500 unsecured Horizon Gold card, access to My Privacy Protection, My Universal RX, My Roadside Protect and My Legal Assistance benefits. If you have bad or imperfect or insufficient credit, but still have the need to shop online (and who doesn't) then check out the unsecured Horizon Gold Card!
Zero Interest Rate Credit Cards
Zero interest rate credit cards work particularly well for people who want to build up their credit score and improve their credit history. You get to enjoy the use of a credit card without paying interest fees.
Charges that you make with zero interest rate credit cards typically go against a certain amount that you've already prepaid into the card. Instead of extending you credit that you have to pay back, you essentially are making withdrawals from money that you've already deposited. This gives you the convenience of major credit card purchasing power, without the risk of running up your debt.
While many zero interest rate credit cards are available, there are many differences between them. Some of the factors you'll want to consider include:
TopConsumerReviews.com has reviewed and ranked the best zero interest rate credit cards available today. We hope these reviews help you find the best credit card that meets your needs!
Understanding Zero Percent Interest Credit Cards
Free money for nothing? Not exactly but, you can have the convenience of a Visa or MasterCard in your pocket to use as needed - even when your credit score is making it hard to qualify. Zero percent credit cards are typically prepaid credit cards. Customers load the card for a fee and then utilize it without being charged interest. This is the same concept as a prepaid card and similar to a secured credit card. Many people that use zero percent interest credit cards choose these cards to get them through a difficult time.
If your credit issues are due to the recession, overspending or job loss you may be without a credit card. If so, you're not alone. Hundreds of thousands of people are enduring difficult financial times and losing access to credit cards is just one element of their problems. Credit cards not only make for fast and convenient shopping but are also required in many scenarios. Using a zero percent interest credit card is one way to get through a credit crunch. Here's how these cards work:
The process of getting approved for a zero percent interest rate card is simple. Anyone can apply and be approved for this card type. No credit checks are required and will not have a negative impact on your current credit score.
Loading your card is the process of putting a balance on the credit card for you to spend. Because the card is pre-loaded you are not charged interest for use. Loading credit should be quick and easy with any card you're considering. You'll find credit card loading stations that accept cash for those with limited resources.
Understanding the respective fees of a zero interest credit card is important. Even if you're feeling desperate it doesn't mean you have to pay outrageous fees. Shop around and look for the most affordable fees out there. You can anticipate annual fees, sometimes application, participation and activation fees as well with zero percent interest rate credit cards. Be sure and look closely at any and all potential fees on the credit card offers you're considering.
Many zero percent interest credit cards offer incentives. Some include a reward point system that allows you to cash in rewards for gift cards and merchandise. Others offer varying cash back rewards, free savings accounts, and special offers from specific stores.
Zero percent credit cards are another option for consumers that are needing easy credit card approval. There are no interest rate charges or overdraft fees with these credit cards. You simply load the balance you want to have access to, spend and use as desired. Fees can creep up with zero percent credit cards so be sure and look closely at the credit card agreement before signing.
Zero Interest Rate Credit Cards In The News
These credit cards have either a low on-going interest rate, low introductory interest rate ... card features a consistent 1.5% cash back on all purchases. There is no limit to the amount of cash back earned, and the points do not expire.
Published: Wed, 23 May 2018 12:11:00 GMT
Your interest rate is also known as the Annual Percentage Rate ... avoid maxing out your credit limit Consider applying for a secured student card if you: Have no prior credit history Don't have a steady source of income, but do have an adult co-signer ...
Published: Tue, 22 May 2018 09:47:00 GMT
SHOPPERS can slash their credit card interest rates if they sign up to the newest ... period of three to six months and depending on the offer available have a rate ranging from zero per cent to 3.99 per cent, which would apply to the eligible purchase ...
Published: Mon, 14 May 2018 11:00:00 GMT
ATLANTA, May 23, 2018 /PRNewswire/ -- The severe delinquency rate on private label retail credit cards is 4.65 percent, up 57 basis points from March 2017 on outstanding balances of $81.7 billion, which are up 0.8 percent from a year ago. Delinquencies ...
Published: Wed, 23 May 2018 05:47:00 GMT
With Apple, Uber and Ikea launching branded credit cards, millennials (and older people ... shipping on in-store Ikea purchases through August. There's no annual fee but the annual interest rate is 21.99 percent across the board. (The current national ...
Published: Thu, 24 May 2018 05:30:00 GMT
"Citi has semi-annually reviewed U.S. credit-card accounts that experienced an interest-rate increase to identify those eligible ... The company will find customers who no longer have an account with the bank and make sure they receive their refund.
Published: Fri, 23 Feb 2018 23:35:00 GMT
no interest Deferred-interest credit cards are often offered by places selling ... On the other hand a no-interest promotional period or 0% interest card has an interest rate that changes. For the promotional window of time the interest is 0%.
Published: Mon, 19 Jun 2017 17:35:00 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 rate, or APR, for balance transfers and purchases ...
Published: Mon, 11 Dec 2017 16:00:00 GMT
ONE of the nation's largest credit card providers is slashing interest rates by three percentage points that will deliver customers huge savings and could result in others following suit. American Express this week revealed it was dropping the interest ...
Published: Wed, 11 Apr 2018 14:58:00 GMT
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