Low Interest Rate Credit Cards
Low interest credit cards are available for those people and businesses with good enough credit to qualify for one. They are attainable if you know where to look. Visit creditcards8.com to compare credit cards by their interest rate online.
The differences in what credit card companies are charging for interest rates are alarming. Low interest credit cards are generally considered to be fewer than 10% interest rate. High interest credit cards can soar to over 30% in some cases. You need to be well informed of just how many credit card opportunities are available to you before making a selection.
Keeping the low interest rate over the lifetime of your account is easy if you play by the credit card company’s rules. All payments must be paid on time. No late payments will be tolerated by the credit card company. They will take away that low interest credit card and turn it into a default rate interest. This is usually the highest possible interest rate that they can charge you by law, around 30%. Yes thats right 30% is the average default rate. Credit card companies can do this even if the payment that you make late isn’t made to them. It can be any other bill that you have paid late on. If it is reported to the credit bureaus, chances are, your credit card company will find out about it and send you a notice of change in terms or something similar.
Finding a low interest credit card that you qualify for will benefit you in many ways. Most credit cards come with a very low to 0% introductory rate for balance transfers. This can potentially save you thousands of dollars over the life of your introductory period. If you transfer a balance from a credit card that has a high interest rate, the amount you pay will come directly off of the balance and no additional interest will be charged during the introductory period. You may even be able to pay off your debt completely with a low interest credit card that has a 0% introductory period. Divide the amount that you transferred by the number of months they allow for the introductory period . This will be the dollar amount it will take for each monthly payment to have it completely paid in full when your introductory period is over.
If you need a low interest credit card because you are thinking of making a big purchase that you want to pay off over a period of time, consider finding a card with an introductory rate on purchases made within a certain time frame. You might even get lucky and find a 0% on purchases. This lets you buy the item now and pay for it with no interest at all. They allow you to borrow money for free under certain conditions.
Make sure to visit creditcards8.com to compare low interest credit cards by their introductory rate, plus there are many other ways to compare credit cards. After you find the one that fits your needs, you can even apply online at creditcards8.com to make your experience a little easier.
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Help answer the question about get credit card
I dont have a credit card and none of the free credits on IMVU is working how else can i get credits.?I really need to know >.< and its like suuuper important because i accidently told my best friend i have heaps of credits and now shes expecting me to buy her something. and everytime i try to tell her it was a mistake she crys…….
April 29th, 2010 at 8:58 am
The transfer fee should be less than a couple month's difference in interest.
April 29th, 2010 at 10:21 am
On the face of it, no, because of the rate compared to what you have. However, would this make things a bit easier for you to deal with? Would you take every extra dollar you have each month and pay toward that 1 debt so you get rid of it and then the interst would not hurt so much?
What about a second job for 6 months to pay the debt down as well?
And last but not least would you run those cards right back up to the max as soon as you pay them off with the consolidation.
April 29th, 2010 at 8:58 am
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April 29th, 2010 at 9:50 am
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April 29th, 2010 at 10:20 am
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April 30th, 2010 at 4:15 am
I recommend that you go to http://www.lowcards.com this is a site that lays out what interst rate the credit card offers as well as what they believe is the best card that they would use. This site is verry user friendly.
April 30th, 2010 at 5:10 am
I have to say that i agree with having A credit card, if you really believe that you can at THE LEAST pay off the minimum payment each month, then do it! You can also gain credit this way!
oh, and i think that anything below 10% is a good rate… most of mine are like 0% for a year or two. then they go up to 8.9%
April 29th, 2010 at 11:44 pm
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April 30th, 2010 at 5:23 pm
Yes, if you can get a better card. Most of the time, you have high interest cards because you had bad or no credit history, so if you have changed that, then you might have a good opportunity.
Shop around for a card with a good offer on transfered balances. It's just a matter of comparing the different offers you get in the mail. You can get like 6 mos or a year without interest with some cards on transfered balances. – BTW, don't put down your transfer balances on the application itself, bc you don't know yet what interest rate you will get. If they give you a good one, THEN you should transfer the balances.
Look out for annual fees. Avoid them like the plague. Most cards with annual fees are the reward points variety, which are only a good deal if you REALLY do use the rewards program all the time.
In a market with rising interest rates, you should go for a fixed interest rate card. In a falling interst rate market, you want a variable rate card. Right now interest rates are stuck, so I don't know what to tell you on this.
April 30th, 2010 at 2:21 pm
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May 1st, 2010 at 12:06 pm
While the plan sounds good on the surface, there are a lot of people who played the 'shift to a lower interest rate' game who end up with a bunch of cards and a huge credit card debt. Biggest problem is that instead of not charging anything and concentrating on paying off that low interest card during the special rate period, they only pay the minimum and run the other cards back up.
Be sure to take into consideration the transfer fee — usually 3% to 5%. That can offset the interest rate savings.
You may also find that your credit isn't good enough to get a limit large enough to transfer all the other credit card balances. You end up with a new maxed out card at a lower rate but the other cards still have balances and at least minimum payments due.
And, only folks with very good credit are getting those 0% or very low rate offers. The offers are only for 6 months.
May 1st, 2010 at 3:18 pm
It all depends on your score, but give a try to Washington Mutual, Capital One or Orchard Bank. All recently gave me a 0% APR for 12 months. With Washington Mutual it helps if you have a checking/savings account with them, since then you can pay the stuff immediately online.
May 1st, 2010 at 5:30 pm
It depends. The easiest card to get approved for is a secured card. The only drawback to that is you use your own money to place a deposit upfront, which you can get back a little later on. The interest rates aren't too shabby at all, compared to some of the unsecured ones out there. But again, because of the "credit crunch", companies are treating everybody the same, regardless of whether you have good credit or not. I may work for one of them, I don't agree with a lot of what they do. I guess that's why I'm on here trying to educate people on the proper way to use your credit cards, so you won't become an unsuspecting victim.
May 1st, 2010 at 2:57 pm
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May 1st, 2010 at 7:55 pm
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May 2nd, 2010 at 5:54 am
Because of the NSF you triggered what is known as the "Universal Default Rate". This is what they consider a penalty rate when you cause certain events, such as the NSF. Generally the credit card companies will do nothing to lower the amount right away. However some will switch you back to a lower rate after 6 months of good history. You need to contact your credit card company and ask them to review your account. If the first person you talk to will do nothing, then ask to speak to their supervisor.
May 2nd, 2010 at 4:51 am
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