Big Savings With a Low Intro Card, If You Can Follow The Rules. All of Them.
A common term you might hear in commercials or read in a print ad is ‘low intro.’ Those two words mean that a particular credit card has a lower interest rate when you first get it than it will after some time passes. The most commonly advertised low intro feature, in my experience, is something along the lines of this: ‘and this fantastic credit card is not only guaranteed to make you more attractive, but IT HAS A 0% APR FOR THE FIRST 12 MONTHS!!’ You’ve heard the latter part of that hundreds of times, I guarantee it. All it means is that, if your credit is delightful, you get a year of no interest on whatever your unpaid balance is. It’s shocking how few people know that.
Low intro is more of a feature a credit card can have rather than an actual category of cards, as the majority of available credit cards have a low intro interest rate. Of course it sounds good, and is good if you can get approved for it, but you might be asking just what exactly is the point. Is it just a marketing term that could save you a few dollars but mostly just dazzles the...
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