Credit Card Offers For People With Bad CreditSome Helpful Info When Compairing Credit Card OffersThings Worth Considering |
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When you are comparing credit card offers, keep in mind that the two most important things to compare are the APR and the 'Grace Period.' (APR). The APR {annual percentage rate} is a measure of the cost of credit, expressed as a yearly interest rate. Check out the "periodic rate," too. That's the rate the issuer applies to your outstanding balance to figure the finance charge for each billing period. For example, if you have an outstanding balance of $2,000, with 18.5 percent interest and a low minimum monthly payment, it would take over 11 years to pay off the debt and cost you an additional $1,934 just for interest, which almost doubles the total cost of your original purchase. * The grace period is the time between the date of a purchase and the date interest starts being charged on that purchase. If your card has a standard grace period you have an opportunity to avoid finance charges by paying your current balance in full. Some issuers allow a grace period for new purchases even if you do not pay your balance in full every month. If there is no grace period, the issuer imposes a finance charge from the date you use your card or from the date each transaction is posted to your account. 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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Assistance With Credit Card Offers For People With Bad Credit |
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