NO INTEREST. NO KIDDING.

2007-03-08 10:33:40

( Financial )



A no interest credit card guarantees that for a period of time, paying off purchases will be lighter on your shoulders-- paying off on installment without the hassle of interest-- guaranteed.

But if you exceed the time limit, be prepared for a soaring price tag. The more you put off credit card payments, the bigger the price of your purchase. Several retailers immediately charge interest if payments don't come on time, and don't even send monthly statements to consumers. The result: more bills to pay, as consumers forget to pay the monthly fee of their purchases, and have to deal with high interest rates.

To avoid these problems, choose the right no interest credit card for your spending habits. If you often pay your monthly bills in full, then a card with no annual fee and with a flexible payment scheme could be right for you. If your balance carries over from month to month, try a card with a low annual percentage rate. If you like the benefits of cash advances then get a card that carries a low annual percentage rate and low fees on cash advances. With so many credit cards out there, it's easy to find the right no interest credit card that fits your needs. There are even cards that help out the environment for every dollar you spend, such as low interest visa cards or earn entertainment points like the low interest mastercard.

If you feel your spending habits need further analysis, there are sites, hotlines, and search engines devoted to taking stock of your needs and translating them into the card of your choice. Their services range from acquiring 0 interest cards with no annual fees, zero annual percentage rate on purchases and balance transfers, cash back bonuses, and more credit despite the applicant's bad credit rating or lack of credit.


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