We can all use a credit card, since sometimes when cash is low
we can payoff debts to avoiding hassles from creditors. If you
have a major credit card it will take care of the problem for
now, but at the end of the month, you will need to make sure
that you repay the balance on the card. In this article, I am
going to provide you with a short list of credit cards with
details including, rates of interest, cash back programs, points
systems and so forth to help you get a better understanding of
how credit cards can help repair credit. The APR or Annual
Percentage Rate is the main priority when considering a credit
card, since if you apply and are approved of a credit card and
the interest rates are high. Then you are setting your self up
for debt problems.
Nowadays, nearly every company has their own credit card offers.
AT&T offers credit cards, which include the AT&T Universal
Platinum MasterCard. The card offers 0% Annual Percentage Rates
for up to one year or '15 months," which includes a "9.49%"
Annual Percentage to the extent of the 'introductory' trial.
Capital One also offers credit cards with 0% Annual Percentage
Rates. Citi Platinum Select cards offer 0% up to 9 months, and
then the rates go up to "9.49%."
Chase Platinum Visa/MasterCard also offers 0% Annual Percentage
Rates on a introductory time of six months, and then the rates
go up to "8.74%."
Citi Driver's Edge Platinum Select has an 0% Annual Percentage
Rate up to one year, then the cardholder can earn '5%' rebates
on any purchases made on the card up to nine months and then
they will receive "1%" rebates from then on.
Citi Dividend Platinum Select offer cardholders nine months of
0% interest rates and then the cardholder can get "5%" refunds
on spending at gas stations, pharmacy, or superstores. After the
introductory time has ended, the cardholder will receive "1%"
refunds on any purchases made on the card.
The Discover Platinum Credit Cards, may offer a 0%
"Introductory" Annual Percentage Rate up to one year and the
fees may be as little as "7.99%" during the introductory time.
Citi, Discover, Capital One, and many other card providers offer
a variety of rates and cards to choose from, and few of the
cards offer rewards, including points and cash back. Regardless
of the card you choose, it is important to look for the cheapest
rates, including rates of interest and fees incurred for using
the card.
HSBC Platinum MasterCard Has no Annual Percentage Rates, free
billing pay online, 0 'liability for fraudulent use' under a
'purchase protection." Once you go online and complete a form to
determine if you qualify, some providers will offer you
products. The introductory percentage rates on some HSBC cards
will not 'apply' on cash advances. HSBC also has a penalty
stipulated in its terms that if you miss payments, or late
during a couple of cycles then you will be charged interest. You
can view the details in the contract under the "Customary APR."
It is important to pay on time, since the "Variable Customary
APR" can add up to "18.74%' if you fail to show trust worth.
Balance Transfer HSBC also have a balance transferring fee,
which may include "3%" per e"$15 minimum," not exceeding "$75."
NOTE: HSBC providers may change the rates on the cards;
therefore take note of any details laid out in the contract
before signing to get the cheapest deals.
Blue from American Express has some of the cheapest rates of
interest also. Blue from American Express offers a 0% APR
introductory 'up to 15 months." There are "NO annual" fees, and
offers a 'free reward program." Don't be fooled by the slicks
that claim to get you instant approval. If you have credit
issues, or else no credit you may be rejected, or else referred
to another credit card. If you have bad credit you may want to
checkout the High-Risk Credit Cards, since your chances of
getting these cards are often higher than getting standard
credit cards.
About the author:
Tony Robinson is a careful and experienced credit card user, He
is also a Webmaster and International Author. Check out his
credit card tips at
http://www.ezy-credit-card.com/
