Recent Credit Card Articles
Finding the Best Credit Card Offer
If you're not using a 0% APR credit card, you're probably paying a much higher interest rate than you were a few years ago. And, if the credit card market continues on its current path, you may not be able to access 0% interest rates much longer. Learn more about 0 APR credit card offers and find out how to select the best credit card for your lifestyle.
0% APR Credit Cards Get One While You Card:
Most of us have thrown out a few hundred 0% APR credit card applications during the past few years. For a while, it was nearly impossible to open up the mailbox without receiving at least one credit card solicitation. Recently, those once annoying offers have all but disappeared. And, while there is still an abundance of 0% credit cards on the internet, these offers may soon disappear as well.
Credit Card Depot's Balance Transfer Website
Due to strong visitor interest in balance transfer credit cards, Credit Card Depot Inc has launched a companion website, www.SmartBalanceTransfers.com. At Smart Balance Transfers, consumers can compare current balance transfer offers from all the leading banks before applying online. Additionally, Smart Balance Transfers features in depth articles as well as a balance transfer calculator designed to help consumers make the best balance transfer decision. To learn more about balance transfer credit cards, visit Smart Balance Transfers.
0% APR Credit Card Offers
Credit card companies are once again offering 0% APR credit card deals lasting up to 12 months. However, after 0% intro periods expire, interest rates are significantly higher. Nevertheless, getting a 0% APR credit card with a 12 month intro period is once again possible for the time being.
Cash Advance Credit Cards You Should Know About These Costs:
Thinking about taking a cash advance from your credit card? Be careful. Interest rates on cash advances can be nearly double standard rates. If that's not enough to make you think twice, cash advance fees are steadily rising, with some companies now charging 4%. And when you pay your credit card balances, the money you send in goes to the balance with the lowest interest rate, not cash advance interest rate. Learn more about cash advance credit cards.
Need a Credit Card For Gifts? Apply Soon: If you're seeking out a 0% credit card to use for holiday gifts, try to apply as soon as possible, since getting a new credit card can take at least a week. Some companies may notify you of your approval status quickly, but credit cards still have to ship via snail mail. Instant Approval Credit Cards Today: The days of the instant approval credit card are all but finished. While a few companies continue to advertise instant credit decisions and sixty second approval, the vast majority of credit card companies no longer provide approval decisions immediately. This will come as a not so pleasant surprise to anyone hoping to get a credit [...] The Best Credit Cards of 2009: The best credit cards of 2009 were not Visa or Mastercard credit cards. Despite coming in second in J.D. Power's credit card satisfaction survey, Discover credit cards are clearly the best credit card offers available to consumers. Low APR Credit Cards Today: Despite an historically low Prime Rate, low APR credit card offers carry significantly higher APRs than they did two years ago. One method to avoid these higher interest rates is to take advantage of 0% credit card offers. Another is to repay credit card debt as quickly as possible. Understanding 0% Credit Card Offers: 0% credit card offers are not as straightforward as they seem. Many credit cards offer 0% interest rates for up to 1 year, but may approve you with a 0% APR for 6 months. The same is true for low long term interest rates.
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