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Below, you'll find
extensive information on leading 0 apr credit articles and products to
help you on your way to success.
It's Easy To Find A 0 Apr Credit
Card
By Christopher M. Luck, Thu Dec 8th
Millions of Americans have credit
cards, using them almost everyday for everything from mundane things
like groceries to exciting purchases like vacations. But unless you
already have a 0 APR Visa, Mastercard, or Discover credit card, chances
are you're still looking for one. Who wouldn't want a credit card that
offered 0 percent APR?
The APR is the annual percentage
rate, and it determines how much interest you pay on your credit card.
No-interest credit is the best, obviously; a credit card with no APR
means you're paying back only the amount you borrowed, with no
additional charges. When the bank makes you a 0 APR credit card
offer,you're liable to jump at the chance! But you don't need to
wait for the bank or credit card company to come to you. You can geta 0%
APR credit card yourself.
First you'll need to check your
credit score. The credit card companies are more likely to give you a
low-repayment credit card as a "reward" for being a low-risk consumer.
Get a copy of your credit report from one of the online sources
available --you're entitled by law to one free credit report per year
-- and see if there are any blemishes that might prevent you from getting
a 0 APR credit card. You should check your report even if you're sure
you've never done anything to earn bad credit, because mistakes can
creep into your report. The last thing you want is to be denied an
interest-free credit card because of something you didn't even do!
Once you've confirmed your credit
report is solid, or done what's necessary to clean it up, you can apply
for a credit card with confidence. There
are two ways you can go about
getting no-interest credit. One is to approach your current credit
card companies and request a lower interest rate. Tell them you'd like to
do a balance transfer, point out your positive credit history, and ask
for zero APR credit. Many times, they will give you 0 APR for a period
of six months or a year, which is fine. Before the time is up, you can
set up 0 percent APR on a different card and transfer the balance. If
your credit stays good, you could move your balance from one card to
another indefinitely, thus keeping 0 APR credit for the life of the loan.
Another option is to open new credit
cards that have 0 APR offers. These are easily found online, and the 0
APR credit cardis usually an "introductory" offer, which means it
switches to a higher APR after six months or a year. The same
procedure applies: Take advantage of the offer, and then transfer
the balance to another 0 APR credit card before the time is up. Before
you get any new credit cards, though, be sure to check into their
policies on balance transfers. Some have different APRs for balance
transfers as opposed to purchases.
With a little work and careful
spending habits, it's possible for anyone with good credit to get a 0
APR credit card. Why should the credit card company get all your
hard-earned money with its fees and APRs? No-interest credit is the way
to go. Good luck, and happy spending!
About the author: Christopher has
been giving his extensive background and knowledge with 0 apr credit
cards to others for free for several years. Let him reveal his free
secrets to
you: http://www.zeroaprcreditcardcredit.info
http://www.zeroaprcreditcardtrust.info
http://www.newyorksocialist.com/category/finance-news
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