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0 Interest Credit Cards
Financial Dept. American Association of Credit Card Holders
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Anyone who is looking for a new credit
card must no doubt be considering
opting for the O interest credit cards.
Today, anything offered at 0-interest
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grabs the attention of people
immediately. However, as you consider
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reaching out for the zero or low
interest credit cards, be sure to
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consider a few important aspects.
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First and foremost, remember that
Cards credit card companies try to bait
customers by indulging in subtle
0 Interest Credit Cards dodging tactics as far as O interest
credit cards offers are concerned.
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It is in your interest to consider whether you require a credit card at all in the first place. If
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there is no necessity, it makes no sense getting hooked to a credit card just because it is
offered at 0% interest.
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Many people wonder if the zero or low interest credit cards are for real. Well, they are to a
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certain extent. Card companies that advertise for low interest and 0 interest credit cards do
offer them but this interest rate lasts for a limited period of time. Most of the time, you will
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find that 0 interest is just an initial marketing gimmick to get you to subscribe to the offer.
Once you subscribe for one of the 0% APR cards offer, you will find that the offer actually
Low Interest Credit Card lasts for just three to six months and 12 months if you are really lucky. After this, you will be
charged a high rate of interest. Before you reach out for the 0 interest credit cards, be sure
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Definitely it is very exciting and
tempting to reach out for the low or no
interest cards. Before you reach out for
the card, ask the company questions
How long does the no-interest period
Can other credit card balances be
transferred to the 0% interest credit
After the initial offer period expires,
what will be the APR?
After you carefully analyze these
factors with the company offering 0
interest credit cards, it is time to
compare all other credit card options
Pros of 0 interest credit cards
If you have a huge accumulated debt on your previous credit cards, you can try and get
approved for the 0 interest credit cards offer and improve your credit history.
With the help of this 0 APR card, you can also cut down heavily on the interest you pay on
your existing credit card debt. Debts on higher APR card balances can be consolidated with
the help of the 0 interest cards.
Cons of 0 interest credit cards
0 interest cards generally offer no interest for a very limited time ranging from three to
Balance transfer from other high interest credit cards may not be allowed during the
introductory 0% offer period.
Certain credit card companies offering 0 interest credit cards may charge a very high fee for
Late payment fee on these cards are very high and eventually you may end up with a higher
variable APR even if you default once.
After the initial introductory period, certain 0% APR cards charge a very high rate of interest.
It is in your interest to carefully consider the above aspects before deciding on whether the 0
interest credit cards are essential for your requirements.
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