How many people do carry credit cards with a very high annual percentage rate when in fact they started out with zero APR? It’s because the credit card industry is experienced in hiding fees and interest rates which are as flexible as to mount readily when the consumer has been already hooked into the system.
So to find the credit card with better deals, be sure that you fully understand the system governing your credit card. This means that you should have computed a rough estimate of the real cost of your credit system. A bunch of credit offers could have flooded your mail box, all of them sounding better than any other. And what should you do with all these flashy leaflets?
Don’t be easily tempted to bite into the introductory offer that seems too good to be true, because it is usually too unreal. Zero annual percentage rates are generally promotions that cover only up to six months. It goes to show that after that span of time, you will then pay the annual charge of the credit company as you utilize your credit card. If you blindly agree to those terms then you may suffer rate hikes of up to 13% even when you promptly pay your balance.
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