0 Apr Credit Cards - Ok, What's The Catch?
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Bob Miles
Apr 19, 2013, 2:00:04 PM4/19/13
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Please consider this free-reprint article written by:
Bob Miles
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Article Title: 0 Apr Credit Cards - Ok, What's The Catch?
Author: Bob Miles
Word Count: 332
Article URL: http://www.isnare.com/?aid=144510&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=144510
Easy Publish Tool: http://www.isnare.com/html.php?aid=144510
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How can credit card companies offer zero APR credit cards and still make money? Well, now that interest rates have gone up they don�t so much anymore. But zero APR cards are can still be found if you look, and the Internet is probably the best source. So what�s the catch? There are several:
*sdfj
- Most zero APR credit cards offer zero APR for a limited time, normally no more than a year
Carefully read the fine print to find out exactly how much interest you�ll be paying later. Some people try to transfer their entire credit card balance to a new zero APR card every year in order to extend their �limited time offer� indefinitely, but credit card companies are getting wise to this maneuver. Nevertheless, getting a zero APR credit card can be a smart move as long if you read the contract and follow the rules.
- There is usually a an annual fee.
$20 is no problem, but beware triple-digit fees just to get zero APR for 12 months.
- Zero APR card issuers make money from suckers.
So don�t be one. Late fees are high, so pay on time. How much of an interest rate is zero APR plus a late fee of $25? You can do the math yourself. The card issuer might also jack up the rate for late payers (they call it a �default interest rate�). And a default interest rate may apply not only to existing balances but future charges as well.
Zero APR credit cards can be great value if there is a reasonable interest rate after the limited offer period ends and as if you pay all your card bills as they come due. If you do that, then your low interest rate will in effect be paid for by the suckers who snatch up these cards and then don�t pay on time.
About The Author: �0 APR Credit Cards� at http://zeroaprcreditcardguide.blogspot.com offers readers information about all types of 0 APR credit cards. See also http://zeroaprcreditcardguide.blogspot.com/2007/03/0-apr-credit-cards-are-still-availabe.html. Please bookmark �0 APR Credit Cards�!
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=144510
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
Bob Miles
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=144510
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=144510
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: 0 Apr Credit Cards - Ok, What's The Catch?
Author: Bob Miles
Word Count: 332
Article URL: http://www.isnare.com/?aid=144510&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=144510
Easy Publish Tool: http://www.isnare.com/html.php?aid=144510
*********************** ARTICLE START ***********************
How can credit card companies offer zero APR credit cards and still make money? Well, now that interest rates have gone up they don�t so much anymore. But zero APR cards are can still be found if you look, and the Internet is probably the best source. So what�s the catch? There are several:
*sdfj
- Most zero APR credit cards offer zero APR for a limited time, normally no more than a year
Carefully read the fine print to find out exactly how much interest you�ll be paying later. Some people try to transfer their entire credit card balance to a new zero APR card every year in order to extend their �limited time offer� indefinitely, but credit card companies are getting wise to this maneuver. Nevertheless, getting a zero APR credit card can be a smart move as long if you read the contract and follow the rules.
- There is usually a an annual fee.
$20 is no problem, but beware triple-digit fees just to get zero APR for 12 months.
- Zero APR card issuers make money from suckers.
So don�t be one. Late fees are high, so pay on time. How much of an interest rate is zero APR plus a late fee of $25? You can do the math yourself. The card issuer might also jack up the rate for late payers (they call it a �default interest rate�). And a default interest rate may apply not only to existing balances but future charges as well.
Zero APR credit cards can be great value if there is a reasonable interest rate after the limited offer period ends and as if you pay all your card bills as they come due. If you do that, then your low interest rate will in effect be paid for by the suckers who snatch up these cards and then don�t pay on time.
About The Author: �0 APR Credit Cards� at http://zeroaprcreditcardguide.blogspot.com offers readers information about all types of 0 APR credit cards. See also http://zeroaprcreditcardguide.blogspot.com/2007/03/0-apr-credit-cards-are-still-availabe.html. Please bookmark �0 APR Credit Cards�!
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=144510
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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