ArticlesReader.com Menu
Newest Articles
Most Viewed Articles
ArticlesReader.com RSS
Submit Article
Login
Signup
Search the articles

Articles Main Categories
Advice
Animals
Automobiles
Business
Career
Communications
Computer Programming
Computers
Entertainment
Environment
Family
Fashion
Finance
Food
Health & Medical
Home & Garden
Humor
Internet Business
Internet Marketing
Legal
Leisure & Recreation
Marketing
Other
Politics
Reference & Education
Religion
Self Improvement
Sports
Technology & Science
Travel
Writing
Subscribe
Receive alert message from us when new articles submitted to our site for free.

Enter your name

Enter your email

Syndicate

















Related Products
Home::Credit

Be Smart With Your Credit Card

Author : Peter Kenny
We all wish that our credit cards were interest free all the time. How much pleasure would it be to know that what you spend is what you pay back and there would be no interest to pay. What is happening is the credit card companies are fighting it out to see who can get the most customers and one way is to offer us 0% interest deals.



The credit card companies are offering introductory offers including 0% on balance transfers and purchases for 6 or 9 months, so everything you buy is interest free how great is that! These offers are becoming more popular by the month, the credit card companies realise we will go with these credit cards first and that interest free deals for any period of time is a great way to pull in the customers.



Break free from your high interest credit cardÂ…



All credit cards can be interest free if you pay off your full balance on time and at the end of every month, but most of us cannot afford to do this. When the APR comes into force, usually a typical rate of 15-20% will be charged. There are however some better rates about if you are willing to search for them, including a rate of 9% and maybe even lower. Always check what your rate will be once the introductory period is over.



Many credit card holders are using the 0% deals to their advantage. The term “Rate Tart” is used to describe people who transfer their balance from one card on to a credit card that has the 0% deal. This will cut out the interest payments on their existing card, however, you really have to keep on top of this especially if you have more than one credit card, as you do not want to get confused as to when and where your balance transfers are due.



Take advantage of the 0% dealsÂ…



There has never been a better time to take advantage of these great 0% deals with the big companies fighting for your business. If youÂ’re using the 0% deals for transferring your balance and are intending to use the card after the interest free period, double check the interest rate once the introductory period is over as it may be higher than the card you have.



· Switch your balance to a 0% deal

· Check the APR that will be charged when the 0% deal is over

· Start searching for a new credit card 4-6 weeks before your existing deal runs out



For credit card advice please visit here http://www.creditcards-gb.co.uk/creditcardadvice.html



0% deals are great as long as you watch what you are doing. The more cards you have the more chances are of getting transfer balance dates confused, but if you have a good head on your shoulders and are well organized then you will benefit greatly.


Article Source: http://www.articledashboard.com





Peter Kenny is a writer for creditcards-gb
For additional articles and an extensive resource for everything about credit cards, please visit us at www.creditcards-gb.co.uk and www.creditcards2go4.com





Spam emails More free articles

Related articles


  1. How Do I Establish A Good Line of Credit?
  2. A Debt Mentality
  3. Are You Worried About Credit Card Debt
  4. Say Cheese
  5. Better the Devil You Know
  6. Paying your credit card on time
  7. Did Your Credit Score Today?
  8. Free Credit Reports: Get Yours Today!
  9. Your Consumer Rights
  10. Building Good Business Credit After Bad Credit
  11. Online, Phone, U.S. Mail or In-Person: Where is Your Credit Card and Personal Identify Safest?
  12. How To Boost Your Credit Score
  13. Balance Transfers Can Help You Stop Putting Money Down The Drain!
  14. Shoppers Beware - 'Tis The Season
  15. New Law Provides Free Annual Credit Report
  16. Everything You Always Wanted To Know About Your Credit Report
  17. Tired Of Being Broke?...Learn How To Force Banks To Give You Money!
  18. Ways to Look Good without Selling Your Soul to the Credit Card Sharks
  19. Credit Report And Correction Techniques
  20. Ten Steps To Building A Good Credit History
  21. First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers
  22. When You Are Eligible For A Free Credit Report
  23. 10 Ways To Protect Your Financial Identity Being Used For Someone Else’s Shopping Spree
  24. Credit Cards, Merchant Accounts, and Your Bottomline
  25. Fun with Credit Cards
More related feeds
Using your Credit Card Responsibly
Remember that for each overseas credit card purchase you will pay APR, finance and possibly other fees. Only purchase what you need. If you travel smart you can carry cash to avoid excessive fees. Be sure to have clear priorities before ...

Be A Smart Business Credit Card Applicant
With such a lucrative market available, it is not surprising if the credit card agent tells you that he will come over to your office at your convenience so that you can fill up the business credit card applications. ...

Check Important Credit Score Online
The fee may be different from one company to another and as a part of being smart; you need to ensure that you are not shelling your cash for something that is unnecessary. If you just wish to get a one-year report, you don’t have to ...

Poor Credit Loans Low Apr - combat the bad credit tides! — by ...
Every purchase made out on your credit cards will push you into debts. You have a single credit card bill and wrap up your outstanding bills, isn’t it a smart way of ridding of your outstandings. Also check out on any unnecessary ...

Gas Credit Cards Help Bring Down The High Cost Of Fuel — by SUSAN ...
Like other rewards credit cards, you will typically earn one percent rebates for any of the other purchases that you would make on your credit card. Some of the cards offer double rebates for a certain period of time, and others offer a ...

The Kindness Of Strangers – Or, All About Peer-To-Peer Borrowing
Money borrowed through a P2P lender is reported to the credit bureaus as a personal loan. Paying off $10000 in credit card debt still leaves your credit report showing a $10000 debt – only now it will represent your personal loan. ...

Credit... Your Greatest Asset
Make it your new habit, if you don’t already do it, to calculate how much each credit card or installment loan is really costing you. Once you start, you’ll be excited to learn how much you can save by using smart financial practices. ...

Great advice from Mark Cuban
Save your money. Save as much money as you possibly can. Every penny you can. Instead of coffee, drink water. Instead of going to McDonalds, eat Mac and Cheese. Cut up your credit cards. If you use a credit card, you dont want to be ...

T Boone Pickens continues hard sell with blogger call
Boone Pickens Loves You and Wants to Use Your Credit Card, 8/30, JohnnyRook. T Boone Pickens trying to pick Californians Pockets, 9/9, JohnnyRook. T Boone Pickens Fancy Sales Pitch, 8/27, Plutonium Page ...

Credit Crunch Hitting Credit Card Market Hard
Over the past few months, credit card companies have been sharply reducing the length and quality of 0% introductory offers, slashing credit limits, and raising the requirements on consumers applying for credit cards. ...

 


 

© 2007 articlesreader.com - All Rights Reserved