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From GunGame5 Documentation
A low annual percentage rate (APR) credit card can save you big money in curiosity charges--the biggest strategy is qualifying for the best rate. You'll need to maintain some well-established credit history and a great credit rating to secure the credit card with the finest mixture of a large limit and a low APR.
Difficulty: Moderate
Instructions
Acquire a Card With any Low Introductory Rate
1 Inspect the varied prequalified credit card offers you receive by mail, contact your deposit or go Internet to a site enjoy CreditCards to reveal small-interest cards (see Means below).
2 Discover all the ins and outsides about the terms and conditions of each provide, including the good print and any one triggers that may activate any better interest rate. Find out while the then-named "go-to" interest rate kicks in--this is the rate you'll pay out on purchases following the low introductory rate expires. Too, most small- or nil-rate introductory offers will automatically switch to the go-to rate if you're late on or overlook a payment.
3 Carry extra charges like annual fees, around-restrict charges and recent payment charges into account while calculating which offer presents the finest overall value. From some cases, some card with a better APR but no annual fee can actually save you cash over some card by means of a small APR that levies one yearly fee.
2 Be careful when gauging the numerous offers you get and cards you qualify to--quite a few regarding them come with terms attached that may send the low APR skyrocketing. Some cards reserve the right to boost your interest rate merely by providing 15 or 30 days' written notice. Others have terms also conditions that is cause a higher curiosity rate (much higher, usually) to kick in if you miss a expense or surpass a certain stability.
3 Contemplate cards by way of low variable interest rates as any choice to low fixed-rate cards. These cards tie their interest rates to essential indexes enjoy the excellent rate plus can be any funds-saving replacement through periods whenever interest rates are falling.
Tips & Warnings
If you apply for a small-interest APR card and your request yous declined, it might adversely affect your credit rating.
Resources
Small-attention credit cards at CreditCards
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