Credit card usage is on the rise and it’s hard to know which credit card is right for you. If you follow a few simple guidelines, you can be sure to get the most out of your credit card. Beware of high interest rate cards as they can cost you more than you are willing to pay in the long run. Low interest credit cards are very prevalent and if you do some simple research, they can be a great financial tool.
When looking for a low interest credit card, be sure to read all the terms and conditions. Many low rates are just introductory and can rise significantly after the specified time period. Some can go up to 30 APR or more, so be sure to read the terms and conditions carefully. Most credit cards are variable after the introductory period and are based on your individual credit. Variable cards add a certain percentage point to the current prime rate, which is subject to change.
Most companies provide a 0% APR, Annual Percentage Rate credit card as an introductory offer. Many last six months, but some can last up to a year or longer. Again, beware of how high the subsequent interest rate goes up. These cards are great to transfer existing balances to so that...
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