Why Get A Low Apr Credit Card
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Mario Churchill
Mar 22, 2013, 10:30:05 PM3/22/13
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Mario Churchill
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Article Title: Why Get A Low Apr Credit Card
Author: Mario Churchill
Word Count: 610
Article URL: http://www.isnare.com/?aid=146410&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=146410
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In most developed countries today, the credit card is used as a prime tool to purchase different items, whether by need or want. Besides, credit cards are far more convenient than carrying real money. From online purchases to paying your monthly utility bills, the credit card is a very convenient tool to purchase different items and to pay bills.
Because of the popularity of credit cards today, more and more credit card companies are also cropping up. Credit card companies and issuers compete to get the attention of potential clients in order to get more people to apply for their credit cards.
So, if you are planning to apply for a credit card, you will have a lot of choices on credit cards. However, because of the different perks and benefits of the different kinds of credit cards available, you have to consider that it can be quite confusing what kind of credit card you should get. So the next question would be what kind of credit card you should choose.
In credit card ads, you will see in bold and large letters that they claim to offer the lowest monthly rates. In fact, some even offer zero interest on their credit cards. However, most offers like this are only promotional and only last for up to a few months. After the promotional period, you will see that the interest rates will go up. This is why you have to take a closer look at what's being offered.
When you are shopping for a credit card, you should not be blinded with the different kinds of offers that seem too good to be true. When applying for a credit card, the very first and the most important thing that you should look for is the APR or the annual percentage rate. This particular factor will affect the overall charges that you will get from your monthly bills.
You have to remember that the APR will affect all the charges and not just the interest rate charges related to the credit card. Every fee that comes with the card, such as late payments, annual fees, cash advances, and purchases will be affected depending on the APR. The best kind of credit card is a credit card with a low APR.
This is why it is important that you should do a little research and comparison when getting a credit card. By doing this, you will be able to know which offers the lowest APR on their credit card. Although this may sound simple enough, the hard part is getting approval for your application. Usually, low APR credit cards can only be found on credit cards that require a high credit score.
So, before you even apply for a credit card with a low APR, you need to make sure that you have a good credit score.
You also have to remember that you have to ask about the APR. Ask whether it is fixed or is a variable. By doing this, you will know if the credit card APR you apply for will remain for some time. You also have to make it clear that you have to be notified in case the issuer decides to raise the APR. This will avoid unpleasant surprises, such as increased credit card bills.
These are the things you have to know when you are applying for a credit card. Always remember that the most important factor about a credit card is the APR. Make sure that you always choose the credit card with a low APR.
About The Author: Mario Churchill is the owner of the website http://www.supercreditcardoffers.com with links to online credit card offers.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=146410
*********************** ARTICLE END ***********************
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Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
Mario Churchill
*****************************
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=146410
- 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=146410
- 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: Why Get A Low Apr Credit Card
Author: Mario Churchill
Word Count: 610
Article URL: http://www.isnare.com/?aid=146410&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=146410
Easy Publish Tool: http://www.isnare.com/html.php?aid=146410
*********************** ARTICLE START ***********************
In most developed countries today, the credit card is used as a prime tool to purchase different items, whether by need or want. Besides, credit cards are far more convenient than carrying real money. From online purchases to paying your monthly utility bills, the credit card is a very convenient tool to purchase different items and to pay bills.
Because of the popularity of credit cards today, more and more credit card companies are also cropping up. Credit card companies and issuers compete to get the attention of potential clients in order to get more people to apply for their credit cards.
So, if you are planning to apply for a credit card, you will have a lot of choices on credit cards. However, because of the different perks and benefits of the different kinds of credit cards available, you have to consider that it can be quite confusing what kind of credit card you should get. So the next question would be what kind of credit card you should choose.
In credit card ads, you will see in bold and large letters that they claim to offer the lowest monthly rates. In fact, some even offer zero interest on their credit cards. However, most offers like this are only promotional and only last for up to a few months. After the promotional period, you will see that the interest rates will go up. This is why you have to take a closer look at what's being offered.
When you are shopping for a credit card, you should not be blinded with the different kinds of offers that seem too good to be true. When applying for a credit card, the very first and the most important thing that you should look for is the APR or the annual percentage rate. This particular factor will affect the overall charges that you will get from your monthly bills.
You have to remember that the APR will affect all the charges and not just the interest rate charges related to the credit card. Every fee that comes with the card, such as late payments, annual fees, cash advances, and purchases will be affected depending on the APR. The best kind of credit card is a credit card with a low APR.
This is why it is important that you should do a little research and comparison when getting a credit card. By doing this, you will be able to know which offers the lowest APR on their credit card. Although this may sound simple enough, the hard part is getting approval for your application. Usually, low APR credit cards can only be found on credit cards that require a high credit score.
So, before you even apply for a credit card with a low APR, you need to make sure that you have a good credit score.
You also have to remember that you have to ask about the APR. Ask whether it is fixed or is a variable. By doing this, you will know if the credit card APR you apply for will remain for some time. You also have to make it clear that you have to be notified in case the issuer decides to raise the APR. This will avoid unpleasant surprises, such as increased credit card bills.
These are the things you have to know when you are applying for a credit card. Always remember that the most important factor about a credit card is the APR. Make sure that you always choose the credit card with a low APR.
About The Author: Mario Churchill is the owner of the website http://www.supercreditcardoffers.com with links to online credit card offers.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=146410
*********************** 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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