Be Smart With Your Credit Card
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Peter Kenny
Nov 26, 2005, 4:52:42 AM11/26/05
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Please consider this free-reprint article written by:
Peter Kenny
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- 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.
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==================
Article Title: Be Smart With Your Credit Card
Author: Peter Kenny
Word Count: 480
Article URL: http://www.isnare.com/?id=21043&ca=Finances
Format: 64cpl
Author's Email Address: in...@creditcards-gb.co.uk
Easy Publish Tool: http://www.isnare.com/html.php?id=21043
================== ARTICLE START ==================
We all wish that our credit cards were interest free all the time. How much pleasure would it be to know that what you spend is what you pay back and there would be no interest to pay. What is happening is the credit card companies are fighting it out to see who can get the most customers and one way is to offer us 0% interest deals.
The credit card companies are offering introductory offers including 0% on balance transfers and purchases for 6 or 9 months, so everything you buy is interest free how great is that! These offers are becoming more popular by the month, the credit card companies realise we will go with these credit cards first and that interest free deals for any period of time is a great way to pull in the customers.
Break free from your high interest credit card…
All credit cards can be interest free if you pay off your full balance on time and at the end of every month, but most of us cannot afford to do this. When the APR comes into force, usually a typical rate of 15-20% will be charged. There are however some better rates about if you are willing to search for them, including a rate of 9% and maybe even lower. Always check what your rate will be once the introductory period is over.
Many credit card holders are using the 0% deals to their advantage. The term “Rate Tart” is used to describe people who transfer their balance from one card on to a credit card that has the 0% deal. This will cut out the interest payments on their existing card, however, you really have to keep on top of this especially if you have more than one credit card, as you do not want to get confused as to when and where your balance transfers are due.
Take advantage of the 0% deals…
There has never been a better time to take advantage of these great 0% deals with the big companies fighting for your business. If you’re using the 0% deals for transferring your balance and are intending to use the card after the interest free period, double check the interest rate once the introductory period is over as it may be higher than the card you have.
· Switch your balance to a 0% deal
· Check the APR that will be charged when the 0% deal is over
· Start searching for a new credit card 4-6 weeks before your existing deal runs out
0% deals are great as long as you watch what you are doing. The more cards you have the more chances are of getting transfer balance dates confused, but if you have a good head on your shoulders and are well organized then you will benefit greatly.
About The Author: Peter Kenny is a writer for creditcards-gb, For additional articles and an extensive resource for everything about credit cards, please visit us at http://www.creditcards-gb.co.uk and http://www.creditcards2go4.com
================== 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
Peter Kenny
==================
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 in...@creditcards-gb.co.uk
- 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 in...@creditcards-gb.co.uk
- 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: Be Smart With Your Credit Card
Author: Peter Kenny
Word Count: 480
Article URL: http://www.isnare.com/?id=21043&ca=Finances
Format: 64cpl
Author's Email Address: in...@creditcards-gb.co.uk
Easy Publish Tool: http://www.isnare.com/html.php?id=21043
================== ARTICLE START ==================
We all wish that our credit cards were interest free all the time. How much pleasure would it be to know that what you spend is what you pay back and there would be no interest to pay. What is happening is the credit card companies are fighting it out to see who can get the most customers and one way is to offer us 0% interest deals.
The credit card companies are offering introductory offers including 0% on balance transfers and purchases for 6 or 9 months, so everything you buy is interest free how great is that! These offers are becoming more popular by the month, the credit card companies realise we will go with these credit cards first and that interest free deals for any period of time is a great way to pull in the customers.
Break free from your high interest credit card…
All credit cards can be interest free if you pay off your full balance on time and at the end of every month, but most of us cannot afford to do this. When the APR comes into force, usually a typical rate of 15-20% will be charged. There are however some better rates about if you are willing to search for them, including a rate of 9% and maybe even lower. Always check what your rate will be once the introductory period is over.
Many credit card holders are using the 0% deals to their advantage. The term “Rate Tart” is used to describe people who transfer their balance from one card on to a credit card that has the 0% deal. This will cut out the interest payments on their existing card, however, you really have to keep on top of this especially if you have more than one credit card, as you do not want to get confused as to when and where your balance transfers are due.
Take advantage of the 0% deals…
There has never been a better time to take advantage of these great 0% deals with the big companies fighting for your business. If you’re using the 0% deals for transferring your balance and are intending to use the card after the interest free period, double check the interest rate once the introductory period is over as it may be higher than the card you have.
· Switch your balance to a 0% deal
· Check the APR that will be charged when the 0% deal is over
· Start searching for a new credit card 4-6 weeks before your existing deal runs out
0% deals are great as long as you watch what you are doing. The more cards you have the more chances are of getting transfer balance dates confused, but if you have a good head on your shoulders and are well organized then you will benefit greatly.
About The Author: Peter Kenny is a writer for creditcards-gb, For additional articles and an extensive resource for everything about credit cards, please visit us at http://www.creditcards-gb.co.uk and http://www.creditcards2go4.com
================== 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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