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SpinDistribute.com Article Directory

The following article was published in our article directory on December 24, 2011.
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Zero Percent Interest Credit Cards: Their Uses and How to Choose One

Article Category: Finances

Author Name: Chickie maxwell

Many of us are fascinated with credit cards that have low interest rates, and think ourselves lucky if we come upon them, but we will think ourselves luckier if we come upon zero percent interest credit cards. That can help us get breathing room for our finances because we can decide if we can switch our current credit card for one that has zero percent interest. That can also give us a big beginning leap in our financial living.

There are plenty of uses for credit cards. First, we use them for online shopping - payment through credit card is a fast way of settling our balances on the products we buy on online marketplaces. Second, credit cards figure well in emergencies. Third, some credit cards offer rewards upon frequent use. The man drawback, however, of credit cards is the interest - which we sometimes find frightening to think of such that it cuts off the enjoyment we get from offline or online shopping. What could be better than not having to worry about mounting interest with a zero percent interest credit card within reach?

Among the zero percent interest credit cards around, it is important to read the specifics of each credit card when choosing one. The zero percent interest rate typically lasts for just a limited time, and that information is important. You'll want to avoid swindlers who offer zero percent interest for a small time period and then will charge astronomically high interest rates later on. Avoid these ploys by asking as much as you could about the interest card of your choice. In general, among the zero percent interest credit cards you are prospecting choose the one that offers the zero percent for the longest period. Don't worry much about that; because credit card companies are getting more and more competitive, they will do anything to promote their wares, so you'll find credit card companies that offer the zero percent for as long as twenty-four months.

Specifically, when looking for zero percent interest credit cards you'll want to know some more things. You'll want to know if the credit card company allows the transfer of your balances to the zero percent credit card, and whether such transfer is charged. You'll also want to know how much the penalties are once you pay your debts late - because in some cases penalties are heavy for credit cards with zero percent interest (to compensate for the lack of interest). Read the fine print on the credit card terms and conditions to find out how much you are actually spending with your card. While on it, better examine the other benefits those credit cards have, such as rewards and travel miles.

Having a credit card with zero percent interest, however, won't be of use if you don't practice disciplined credit habits. If you are going to use a zero percent card for online shopping, be sure not to overspend. It is tempting to dish out money if all that it takes is a few mouse clicks to make a purchase on online stores. Be careful also, with how you will plan to fit the zero percent credit cards to your lifestyle. Nevertheless, that shouldn't stop you in looking for the best among the zero percent interest credit cards around; just look for the good deal and you'll push through fine.

Keywords: interest credit cards

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