0 Interest Credit Card OffersSome Helpful Info When Compairing Credit Card OffersThings Worth Considering |
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If you're comparing credit card offers, then here's something you need to think about. This is something most people don't know about credit cards. Did you know that a credit card can have several annul percentage rates (APR)? It can have one APR for purchases, another for cash advances, and yet another for balance transfers. The APRs for cash advances and balance transfers often are higher than the APR for purchases (for example, 14% for purchases, 18% for cash advances, and 19% for balance transfers). Tiered APRs. Different rates are applied to different levels of the outstanding balance (for example, 16% on balances of $1Ð$500 and 17% on balances above $500). A penalty APR. The APR may increase if you are late in making payments. For example, your card agreement may say, "If your payment arrives more than ten days late two times within a six-month period, the penalty rate will apply." An introductory APR. A different rate will apply after the introductory rate expires. A delayed APR. A different rate will apply in the future. For example, a card may advertise thatthere is "no interest until next March." Look for the APR that will be in effect after March. The best way to judge credit card offers is to look at several different deals and compare the rates and fees. Click on the links below to compare sites.
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