Over the past year, 0% APR credit cards have changed. Before the credit crunch began, credit card companies offered 0% interest rates for up to 15 months on purchases and 1 year on balance transfers. Recently, however, many companies changed the terms on 0% APR offers. For example, some companies advertise a 0% APR for up to 1 year, but may grant you a 0% APR for as little as 3 months if you do not meet their highest standards. Consequently, when applying for a 0% APR credit card, especially for balance transfers, wait until your card arrives in the mail before initiating the transfer. This way, you can be sure you get a 0% APR for the length of time you desire and maximize the savings a 0% APR credit card can provide.
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Presently, most credit card companies are still advertising a 0% APR for 1 Year. However, not all 0% credit cards are the same. In the fine print of many of these offers is a prickly detail: you may be approved, and only offered a 0% APR for as little as 3 months, based on a review of your credit. Find out how to be sure your 0% APR credit card delivers on what it advertises....Read More
You've seen the offers: 0% balance transfer, pay no interest for one year. For those carrying balances on high interest credit cards, the savings that can be reaped with these balance transfer offers is tremendous. However, one false move and you'll not only lose the 0% rate, you might also end up paying a higher rate than the one you previously paid. Credit card issuers call it the default rate, and it can range up to 29.99% or more, a far cry from 0%....Read More
A few months ago, it was nearly impossible to open up your mailbox and not find a 0% APR credit card offer. Now, it is equally difficult to find one. This is a good thing for trees, but not for consumers. Fortunately, 0% credit cards are still readily available online. However, many credit card companies have reduced the duration of 0% offers from as long as 15 months to as little as 3 months in some cases. Additionally, many credit card companies have made it more difficult for consumers to get approved for 0% offers. Soon, the 0% APR credit card may be no more than a memory....Read More
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