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Low Interest Credit Cards: Are You Still Paying Too Much?
You may think that the rate you are paying on your current
credit card is low, but chances are it isn't the lowest rate you
could be paying. 0% interest rate credit card offers are still
available...do you have one? If not, why not? If you don't have
a low interest credit card in your wallet, you may be missing
out on a great way to save yourself hundreds of dollars per
year. Let's take a look at some of the ways you can find a low
interest credit card today.
Contact Your Current Credit Card Company.
Once in awhile, consumers can persuade their current credit card
company to give them a lower rate. Unfortunately, most credit
card companies will not budge much on their current rate to you
or the rate they agree to give to you is not the lowest
available rate going. What a hassle! While you don't have to get
rid of your current card, shopping for a new one is probably the
easiest and most pain free way to secure the lowest rate.
Shop For A New Card.
Speaking of new cards, there are hundreds of credit card
providers, each of whom wants your business. With bankruptcy
laws tightening and consumers shopping more carefully, the
competition for customers has sharpened. For smart shoppers, it
is a "buyer's market" when it comes to finding a low interest
credit card that meets your needs. Rewards cards are popular and
so are credit cards such as Citibank's Citi Simplicity card
which doesn't charge you late fees. Compare the various offers
out there to select the card that is right for you.
Consolidate Debt.
If you already have several credit cards and owe money on each
one, consider getting a new low interest credit card with a
fixed rate. Many will allow you to transfer balances from high
interest credit cards -- which are currently charging you 17.9%,
21.9%, or even 24% or more per year -- to their low interest
rate credit card for a small fee. You can also ask the new
credit card provider to waive their balance transfer fee for
even greater savings for you. In addition, some will agree to
give to you a low balance transfer rate [for example, 6.9%] for
the life of your balance. As you might guess, you can
potentially save hundreds of dollars per year with this type of
an agreement.
In all cases, if you don't have the lowest rate available, just
ask your credit card provider for it. If they are not interested
in giving to you a 0% percent rate, start shopping for a new low
interest credit card today that is right for you. Take charge of
your finances: you have nothing to lose, but plenty of money to
gain...what's in your wallet?
10 Cons Of An International Credit Card
Credit card fraud is a fast increasing crime in the world.
International Credit Card holders are mostly the victims of this
unauthorized access to their accounts. Let's take a closer look
of the problems faced by international credit cards.
... ...read more
Comparing credit cards
Like any merchandise, you need to compare credit cards too
before you actually decide on which one to go for. The selection
of a credit card should not be based just on what is good, since
there is nothing like a good credit card. Neither should... ...read more
Fix Bad Credit In Easy Steps
Fixing bad credit requires some time and research on your part
and a plan you can stick to. Fixing bad credit is not as
difficult as you might initially think. The following will help
you bump up your credit score so you can get the new car or... ...read more
Get A Credit Card With A Low Interest Rate
Before you choose a credit card it would be wise to first find
out the interest rates offered by all the credit card companies
and banks. While you compare credit card companies and banks,
take note of the ones with low interest rates and offer... ...read more
What Are Platinum Credit Cards?
Platinum credit cards are generally offered to those individuals
with good credit ratings and an income of around £20,000 per
annum or more. Platinum credit cards have many benefits and
features compared to a standard or gold credit... ...read more
