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Zero Apr Credit Card

by Samantha Bennet on 2013/11/15

zero apr credit card

What to Look for in the Best Zero APR Credit Card?

A zero APR credit card is like any other credit card, except that it gives you better rates for a period of 6-18 months (sometimes even longer).

Many people who want to fix their credit, consolidate their card debts and take advantage of zero-rate credit cards. Not all 0% credit cards are created equal.

Find the Best Zero APR Credit Card

While it’s true that interest rates could spike right after the promo period expires, there are 0% cards that offer reasonable rates after the promo and this is only one of the things that you should look for in a zero APR credit card.

Another thing that you should be looking for is the card’s universality. You must be able to use it in other places where major credit cards are accepted. Choose from a variety of card networks: Visa, MasterCard, American Express, etc., that you think will work well for you, especially if you travel frequently.

A zero APR credit card will also most certainly come with fees and charges. Look for one that does not collect exorbitant fees from simple balance inquiries and card usage.

While an annual service charge is acceptable, other typical services must be free-of-charge or must not cost too much. Otherwise, it will not be worth it to get a 0% card. Always ask about these fees and charges and thoroughly read terms and conditions upon application.

Also, always check your billing statement for “hidden fees” that have not been discussed at the start and ask authorized representatives how you can avoid these. A zero APR credit card can help you in lots of ways from stretching your budget to saving thousands in interest payments.

This is why you have to really choose a card that will not cost you too much to maintain and one that provides you with all you need in a credit card.

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