Uploaded by: euinvest100 on Jun 3, 2012
Darwin Horan- How to Compare Interest Free Credit Cards
Instructions
1
Choose an interest free credit card with a low annual percentage rate, or APR. Because interest free credit cards are strictly an introductory offer, keep in mind that interest will become chargeable when the interest free offer ends. Comparing the APR charged and choosing a low APR card will help you to stick with one credit after the introductory period. Transferring the balance again to another interest free card and paying balance transfer fees can be avoided.
2
Investigate all hidden fees. The fine print should be your guide when comparing interest free credit cards. Credit card companies charge processing fees, balance transfer fees and annual fees, for example, and these costs are generally spelled out in the fine print. When choosing an interest free credit card, the card with the lowest fees will be the most budget friendly.
3
Check the penalties for late payments. Interest free credit cards can be unforgiving if you don't make payments a on time. Late fees charged by credit card companies can be very high and the interest rates will also increase dramatically. Some credit card companies forgive two grace periods. Each company has its own policy with regard to late payments. It is therefore prudent to choose a card that does not impose unreasonable penalties.
4
Choose the interest free credit card that is most suitable for your needs. Each credit card gives discounts and cash-back offers on different products and services. Credit card companies give a range of discounts on purchasing fuel, automobile maintenance, groceries, restaurants and sports gear. The card giving the best deals on products and services that you use most frequently will be more beneficial than a card with benefits that will be seldom used.
5
Choose an interest free credit card that allows you to access your account online. This will help you to keep track of your expe
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