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| Are you tired of paying high interest and hidden fees? Utilizing great credit card offers can actually save you money . Credit card companies are like any other business. They want to make money. And if you’re not careful, they’ll use high interest rates and hidden fees to take yours. But if you use credit correctly, you can keep your hard-earned money instead of sending it off with your monthly payments. Good Credit Cents can help. Take Advantage of 0% APR credit card offers Usually only new credit card offers will extend 0% interest on balance transfers. This is one reason for applying for new cards often. They can be used to pay off higher rate cards, car loans, or other debt on which you are getting charged higher interest. While 0% interest cards have their benefits, keep these tips in mind before you apply for a credit card: • Do your research before transferring a balance – One inventive way credit card companies get more of your money is through offering 0% on your transfer balance, but then charging you interest on the balance transfer fee. You can’t pay off the fee until the whole card balance is paid in full. Therefore, it really isn’t 0% because you could be charged around 20% on your balance transfer fee amount. • Don’t use the card for purchases – New purchases will usually be at the regular interest percentage. Your payment will post to the 0% balance before deducting the balance of the purchases at the higher interest rate. • Pay on time and never exceed your limit – Credit card companies will look for any reason to remove promotional offers and increase your APR. There is probably a disclaimer stating that your APR is subject to change if you pay late or go over your credit limit. Don’t give them reason to assess late fees or raise your interest rate! • Remember that the 0% rate will end – If you are nearing the end of your 0% APR period and haven’t paid your full balance, you risk getting charged 20% or more in interest once the rate expires. One way to avoid this happening is to apply for another 0% APR card. Keep transferring your balance from one 0% card to another. Why pay interest if a new credit card won’t require you to? Find the Best Credit Card Offers for Your Needs If you find the right credit card for your financial situation, using these tips will help you save thousands of dollars over time. Applying for cards that reduce your monthly payment help you build a good credit history and save money on interest each month. Investing time today to find the best credit card for you will be well worth the return in the future. Use our Credit Card Search Form to compare APR’s and transfer fees. You can even apply online.  |
