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Presently, most credit card companies are still advertising a 0% APR for 1 Year. However, not all 0% credit cards are the same. In the fine print of many of these offers is a prickly detail: you may be approved, and only offered a 0% APR for as little as 3 months, based on a review of your credit. Find out how to be sure your 0% credit card delivers on what it advertises....Read More
You've seen the offers: 0% balance transfer, pay no interest for one year. For those carrying balances on high interest credit cards, the savings that can be reaped with these balance transfer offers is tremendous. However, one false move and you'll not only lose the 0% rate, you might also end up paying a higher rate than the one you previously paid. Credit card issuers call it the default rate, and it can range up to 29.99% or more, a far cry from 0%....Read More
A few months ago, it was nearly impossible to open up your mailbox and not find a 0% APR credit card offer. Now, it is equally difficult to find one. This is a good thing for trees, but not for consumers. Fortunately, 0% credit cards are still readily available online. However, many credit card companies have reduced the duration of 0% offers from as long as 15 months to as little as 3 months in some cases. Additionally, many credit card companies have made it more difficult for consumers to get approved for 0% offers. Soon, the 0% APR credit card may be no more than a memory....Read More
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.Read More 0% APR for 15 Months – A Memory Do you remember when credit card companies offered 0% APR for 15 month deals? It wasn’t too long ago, but those days are already a distant memory. And the return of 0% for 15 months is unlikely. During the past year, credit card companies have cut back on the length of 0% APR offers, with [...]Read More 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.Read More 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 [...]Read More
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