Low Interest Credit Cards – The Who, What, Why, Where and How
Low interest credit cards are one of the perks of having a good credit history. For individuals who do not have a history of bad debts, possess good financials and can show a steady income over a period of time, cards with low APRs are the most cost-effect credit card alternative.
Though credit card companies issue cheap credit cards with discretion, it is possible for individuals with so-so credit to find credit cards that are a good deal. With usage of the card and good credit history, their APR can be lowered as their credit worthiness improves.
The key factors to look into when weighing the benefits of two cards that are competing for your credit are:
1) Introductory APR
2) The Annual Percentage Rate (APR)
3) Annual Fee
4) Offers, rewards, bonuses etc
The APR or the yearly rate of interest on the card is one of the prime determinants of the financial benefit that your card offers you. Some low interest credit cards offer an introductory APR of zero. In such cases you need to analyze the length of the introductory period and the regular APR charged...
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