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Comparing 0 APR Credit Cards
With all the introductory 0 APR credit cards popping up all over the internet in emails, on websites as advertisements and even in the regular mail through flyers, it is very hard to decide which credit card company is really offering the better deal in the long run. The introductory offers all look great but what happens after they expire? Do not take the introductory offer for 0 APR credit cards at face value. Above all, do a bit of research before you make your decision.
There are so many different 0 APR credit cards being offered that you can become overwhelmed. Today, you can find several companies offering 0 APR credit cards and other incentives to get you to apply for their credit cards.
The four most popular offers today include:
Citi® Platinum Select® Card You must have excellent credit or you will not be approved for this 0 APR credit card. The card offers 0% APR on balance transfers and purchases for your first 12 months. There is no annual fee, you can manage your account online, and there is zero liability on unauthorized purchases.
Chase Platinum Credit Card – With the Chase Platinum credit card you can be approved for their 0 APR credit cards but you must have at least good credit. You’ll get 0% interest on all purchases and balance transfers for up to 12 months. However in some cases 3 months is all you get for 0% on balance transfers (your credit history comes into play). Regardless, you won’t have to pay an annual fee and you can also access your account online. Whether you qualify for 3 months or 12 months of 0% interest, you will be paying a competitively low APR after the introductory special.
Discover® Platinum Card With this 0 APR credit card you will receive the 0% introductory special for 12 months on purchases and balance transfers, with no annual fee and 5% cashback on purchases made at certain stores such as bookstores, gasoline stations, and restaurants. You’ll also get 1% cashback on all other purchases and the cash rewards will never expire as long as you are a cardholder, and in some cases, you can even double your cashback bonuses. Keep in mind, that you will need to have excellent credit to qualify for this offer.
Blue from American Express is one of American Express’ 0 APR credit cards that will give you 0% for up to 15 months, no annual fee, a credit card reward program as well as online account access. Once again, you must have excellent credit to be approved.
This is the information that you will first see when you visit the websites for these card offers while you are searching for the best deal on 0 APR credit cards, however, you should never apply with this information only. Be sure to learn if any of the points or cashback options have expiration dates, and above all, always be sure to thoroughly investigate the card offer’s terms and conditions before applying.
12 month cash loans-easy cash availability
12 month cash loans are made to provide usually a big amount of loan facility to cope up with the ongoing fiscal condition which is projected for short and long term purposes. This type of cash loan facility provides freedom to use cash at any time within a year or time tenure of 12 months. The borrower has the option of repayment of the desired amount of loan within the time period which is flexible enough to tackle with sudden occurred financial issues. These types of loan facility are available in secured and unsecured form to allow people flexibility to use their loan amount within 12 months.
The cash loans are excellent to tackle the unexpected expenditures immediately with extended repayment tenure of 12 months. The most striking quality of these types of loans are their immediate cash flow with a little long repayment tenure which is generally not seen other types of payday loan facilities. This loan facility for the borrowers is the perfect option to solve out cash crisis as the cash is deposited to the bank account of the borrower immediately after approval the loan amount. It is the most convenient and smartest way to avail loan facility quickly which also bears repayments option with a long time period.
All these loan facilities come with minimum documentations which do not require any kind of faxing of supportive documents, no collateral, no credit checking and also come with co security; the loans are available by the most of the loan providers at a very flexible and convenient interest rate. Also these are available in a number of cash amounts which can be availed on the basis of the repayment capacity of the borrower. Applying for these is very easy that requires only filling up an online application form for the initial processes.
12 month cash loans are the best way to provide a tension free solution along with peace of mind to sustain economic condition of the family or the official matters. This type of cash loans provide great opportunity to the people which are in debt or with the issues like bankruptcy, defaulter, arrears bad credit history etc. Now its been easy to have financial security or freedom of choice to fix up the pending dues or bills or other unexpected financial problems.