Low Interest Rate Credit Cards

Credit card usage is on the rise and it’s hard to know which credit card is right for you. If you follow a few simple guidelines, you can be sure to get the most out of your credit card. Beware of high-interest rate cards as they can cost you more than you are willing to pay in the long run. Low-interest credit cards are very prevalent and if you do some simple research, they can be a great financial tool.

When looking for a low-interest credit card, be sure to read all the terms and conditions. Many low rates are just introductory and can rise significantly after the specified time period. Some can go up to 30 APR or more, so be sure to read the terms and conditions carefully. Most credit cards are variable after the introductory period and are based on your individual credit. Variable cards add a certain percentage point to the current prime rate, which is subject to change.

Most companies provide a 0% APR, Annual Percentage Rate credit card as an introductory offer. Many last six months, but some can last up to a year or longer. Again, beware of how high the subsequent interest rate goes up. These cards are great to transfer existing balances so that you can save money and pay them off quicker. Just be careful not to fall into the trap of charging more than you can afford to pay off, simply because of the low-interest rate.

A low-interest rate credit card is beneficial to all people, regardless of your financial situation. Even if you are able to pay off the balance each month, you never know when an emergency will arise. Having credit readily available can be a lifesaver in a crucial time. Having a regularly used credit card is also good for your credit. It proves that you can use credit wisely and makes you a better risk. If you are not able to pay your card off entirely each month, having a low-interest rate credit card versus a high rate card will save you hard-earned cash.

Before choosing a card, browse credit card companies’ websites. Many times, reward programs will be offered at no charge with which you can get cash back and discounts. Also, be aware of whether a company charges an annual fee. There are so many cards out there that, unless your credit is shaky, you can easily find a card with no annual fee. Most websites will allow you to apply online and some will give you a decision instantly. If you are not comfortable applying online, you can also call and apply over the phone.

Low-interest rate credit cards are a valuable tool in anyone’s financial arsenal. If you are careful to consider all your options and read all the fine print, you can get a great card that is tailored specifically to your needs. Low-interest rate credit cards are truly the best credit cards to hold.

The post Low Interest Rate Credit Cards appeared first on Dosor Haelth and Lifestyle.



from WordPress https://ift.tt/32d0TLM
via IFTTT

Comments

Post a Comment

Popular posts from this blog

What You Should Know About Hepatitis C

Image
Hepatitis C virus (HCV) is the most common, chronic blood-borne infection in the United States, with nearly 4 million Americans (or 2% of the population) infected. The hepatitis C virus can result in a swelling of the liver known as hepatitis C. Hepatitis C is slightly more common among men than women, and while it affects people of all ages, it is most commonly found among those aged 20-39. Hepatitis C infects the liver, which removes waste products and worn-out cells from the blood. If untreated, hepatitis C can lead to scarring of the liver (known as cirrhosis), cancer of the liver, and, in some cases, even death. The hepatitis C virus is spread through contaminated blood. Hepatitis C is most commonly spread through intravenous drug use, as users often share needles that are contaminated with the virus. People who had blood transfusions before 1990, when screening blood for HCV began, are also at risk. Tattooing and body piercing may also transmit hepatitis C if dye or needles c...
Read more

Why the Key to Impotence May All Be in Your Head

Image
Stress has become an inevitable consequence of modern life, and we are subjected to increasing amounts on a daily basis. The term stress was originally coined and defined by Hans Selye in 1936 as “the non-specific response of the body to any demand for change.” This means that we are all subjected to stress, but its effects on our bodies differ greatly from person to person, largely dependent on the gravity of and how we handle the stressful situation. Selye determined that there were two kinds of stressors, positive and negative. Positive stressors, or eustress, are situations that are perceived to be happy or good, such as weddings, childbirth, or big family holidays. Negative stressors, or distress, are situations that are traumatizing or unhappy, such as the death of a loved one or an accident. But whether the situation is positive or negative, this rate of wear and tear we subject ourselves to eventually takes its toll on our bodies, and how we deal with the stress is important. ...
Read more

Sciatica: Symptoms And A Must-Try Remedy

Image
Many people attempt to alleviate their sciatic pain with medications which provide just momentary outcome. We also must state that when it involves sciatica relief, plenty of professionals advise workout and specific yoga stretches as the only way to treat this back issue. But, throughout this post, you’ll find out the method to prepare a homemade treatment that will treat your sciatic nerve and alleviate your discomfort with success. In case you aren’t sure if your signs show sciatica, here’s a list of the foremost common sciatica symptoms. Symptoms of sciatica Pain that begins in the lower back or one side of the hip, and radiates to the butts and leg(s) Tingling in the leg(s) The discomfort intensifies as you sit Weakness, numbness, or problem moving the foot or leg Trouble moving and standing caused by stabbing discomfort sensation Continuous buttock discomfort Recipe for sciatica and Pain in the back Remedy Ingredients: 4 cloves of garlic 200 ml. Milk Honey (to t...
Read more