Written by Admin on 05 March 2010
lowest interestcredit cards
Are you one ofthose people that really need a credit card, but you have no clue where to go?Are you interested in getting the best credit card rates available to you? Areyou concerned with comparing credit card companies so you can see who actuallyhas the best credit card rates? If you answered yes to any of these, let thisbe your guide to help you discover the best credit card rates.
There are manyways that you can learn about the rates offered by credit card companies. Butthe best and easiest way to compare credit card rates is to go online. Aparticular website you might enjoy is at comparecc.com. This website has verydetailed information available on different credit card companies. Here youwill find: the names of the credit card, the APR rate, the bonus awardsprograms offered by the card, what kind of credit you need to get the card, andthe annual fee (if there is one).
Now we will goover some of the credit card companies on this website that offers the bestcredit card rates. The first one is American express. This card offers lowintroductory credit card rates of about 3.99 percent. After one year, yourregular APR rate will be 10.49 percent. You need to have very good credit inorder to get this rate, however.
Next, we look atCiti Financial Mastercard. Citi Financial Mastercard offers great credit cardrates. If your credit is excellent, you will have a 0 percent APR for the first12 months! This is also included for balance transfers. After the 12 months isup, your APR rate will go to 9.99 percent. Remember, this is only for those ofyou with excellent credit.
The last card wewill look at is Discover card. Discover card offers varying credit card rates.They do have a 0 percent introductory APR that is offered for a time determinedby your credit score. After that, your APR will be 9.99 percent. This low rateis only available for those of you with good credit. Discover also offers acash back bonus awards program to all of its customers.
For those of youwith not such great credit, you can still apply for these cards and others.Just remember that credit card rates for people with bad credit are often muchhigher than rates for people with good credit. Keep this in mind when you aresearching for a credit card.
This is all ofthe advice you need for help discovering the best credit card rates. Be sure totake your time and to do some research. There are a lot of options out there.With a bit of patience, you are sure to find the best credit card ratesavailable to you!
Written by Admin on 04 March 2010
credit cardsreview
When reading acredit card review there are several very important things to look for. Firstand foremost the review must be unbiased and honest. If it is coming fromsomeone that has an agenda, such as wanting to make a sale, then chances areyou not going to get an honest review.
The firstrecommendation I would make would be to visit a reputable credit cardcomparison website. There you will find offers from all of the major banks andissuers which include Visa, MasterCard, Discover and American Express.Comparison shopping is the recommended way to find the best deals.
You, of course,are going to want to know what the APR (annual percentage rate) is. Make surethat it is not an introductory rate as well. Many issuers will give a lowintroductory rate in order to attract new cardholders. The prospective accountholder must know what the interest rate will be not only now, but also what itwill be in say, 12 months from now.
It is obviouslyvery important to know what the interest rates and fees are. There will be twoseparate APRs given for this. The first is the interest rate charged onpurchases, and the second will be the APR for cash advances. The interest ratefor cash advances are always substantially higher than they are for purchases.
When it comes tofees you need to know not only what the annual fees are but also the balancetransfer fees if you plan on taking advantage of the balance transfer option,penalty fees for late payments, over the limit fees, and fees for check writingprivileges and cash advances.
It is also wiseto understand how the method of computing a balance is. This plays a role inhow the interest that you will be charged accrues over time. You need tofamiliarize yourself with the grace period as well. This is the number of daysyou have to pay your balance off before interest charges begin.
And finally, ifit is a card with a rewards program, you need to familiarize yourself with howit works. For instance, if it is a cash back card it is important to know howmuch the rebate is going to be and where you can use the card so that yourpurchases will qualify under the terms of the program.
When all of thisinformation is included in a concise and easy-to-read fashion, then you knowyou are looking at a quality credit card review. Make sure you take the timenecessary to understand these important features. By doing so you will putyourself in a position to uncover the best offers available.
Conduct YourCredit Card Review The Right Way?
Get acomprehensive credit card review on all of the leading offers.
