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SpinDistribute.com Article Directory

The following article was published in our article directory on January 20, 2012.
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Things to Keep in Mind Before Signing Up for Low Interest Credit Cards

Article Category: Finances

Author Name: Chickie maxwell

Offers for low interest credit cards have seemingly become more common as credit card companies compete for your business. These cards generally offer an introductory zero percent APR rate. If you are suffering from high interest rates on your current credit cards, you can even transfer your balances to enjoy a lower interest rate. However, there are a few things you have to keep in mind before you sign up for these cards.

Low interest credit cards require you to have outstanding credit for you to be approved. This means that you should have a credit score of at least 720 to qualify. So you should request a copy of your free credit reports to see if you are eligible to apply for low-interest cards. If your score is okay but just below excellent, there are a number of moves you can take to raise it such as taking on a small personal loan paid on installment and disputing significant errors on your report with the credit bureaus.

Low interest credit cards usually increase their APRs after the introductory period to their regular variable rates. So make sure you not only compare offers to find the most advantageous APR but also if the rate is better than your current credit card, particularly if it has a fixed rate. Note that variable rates change according to a reference rate or your creditworthiness and may be adjusted on a monthly or quarterly basis.

To make low interest credit cards more attractive to customers, they usually come with a variety of incentives such as cash back rewards, discounts and extras such as 24-hour roadside assistance. When choosing cards make sure you don t consider only the incentives but all of the features of the card.

Every credit card has its own terms and conditions attached to it. Before submitting your application, make sure that you read the fine print very carefully and make sure you understand it.

Low-interest cards generally have no annual fees, although some do. Avoid signing up for cards that have these fees as well as balance transfer fees unless you believe that they are more advantageous than staying with your present card.

Make sure that you take full advantage of the introductory 0|rate by paying off the balance transferred from your old cards before the end of the promotional term. You can track the period by marking the start and end on your calendar as well as setting up reminders. If you can t finish paying off the balance by the end of the intro period, you can transfer it again. Generally, unless you do it excessively, balance transfers will not negatively affect your credit score unless you do it excessively.

During the introductory period, you should never make a late payment as this may result in the cancellation of the special 0|rate as well as it being raised to exorbitant levels. You can read about these penalties in the terms and conditions of the different low interest credit cards when you apply.

Keywords: interest credit cards

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