Tag Archives: getting
Finding Good 0 APR Credit Card Offers
While most of us wish that we could find credit cards that only had 0% APR, they cant really exist because the credit card companies wouldnt make any money. However, if youre looking to save money with a lower interest rate, there are ways to find great deals on APR percentages.
Balance transfers
The trick with getting a 0% APR is to find a credit card that allows you to transfer other balances under that initial lower APR interest rate. While there is usually a time limit to these kinds of offers, they can help save you a lot of money in the long run. And if you think about it, these offers are much like getting the 0% APR on that other card, its just a matter of where you send the bill to.
Talking with the cards that you have
You might not know this, but if youre a good customer for your current credit card company, you may be able to ask for a limited 0% APR period as well. If youve been paying your bills on time and keeping a fairly low balance, many companies are willing to reduce or negate the interest rate for a while. They want your business, so theyre usually willing to give you a deal to keep you using their card.
Going online
There are many credit card company comparison sites that will allow you to see which card companies are offering 0% APR for the first year of use or for limited time periods. And while this isnt a permanent solution, you can see which cards are willing to take you on as a customer for a lower interest rate.
A word of caution
While its safe to say that youre aware of the fact that 0% APR periods can be short, you need to be certain that you understand what the card company defines as a period. In most cases, the first purchase starts the cycle of interest free credit balances, as opposed to the first billing cycle end.
Look to see what the interest rate will be when the trial period is over. If the interest jumps dramatically, you might be in for an unpleasant surprise if youre still carrying a balance. And the truth is that many of these credit card companies will increase their interest rates from 0% to 15% and even 24%.
Also realize that there might be restrictions in getting the 0% APR. If you make certain purchases or dont make a payment within a certain time, you might revoke your right to that lowered interest rate. Read the fine print.
Same day loans: Get the cash just in a day
In present world mans desires have no limits and some times these limits cross the barrier of finance. And suddenly a monetary crisis knocks at your doorsteps without any call. If you are self sufficient then good for you and if you are not so in this case same day loans can simply prove to be your best chum. Its an ordinary problem these days when we require some money instantly but our inadequate fund does not permit us for any further investment. The price of money is considered in terms of time then. In such case these loans can be very help to you.
These same day loans can save you from pains and suffering which you can face without this. You can get the immediate cash within 24 hours and these loans are free form any credit history check. So if you are a bad credit holder due to any reason still you are allowed to get these loans. Because these loans are unsecured, money lenders under these loans do not ask for any collateral to pledge thats why the interest rate is quite higher than any other loans.
These loans are availed for short time period usually 15 to 30 days though it is changeable and varies according to different repayment plans. The amount which you can avail through these same day loans usually comes around from £100 to £1500. The fundamental requirements for getting these loans i.e. a person should be citizen of UK and permanent employed having the minimum salary of £1000 and must have a personal bank account form past 6 months. The money will be deposited directly in your bank account within 24 hours after the approval. While in the repayment time money will be deducted directly form your bank account by the post dated cheque.
After getting the money you are free to use it as the way you want to. You can repay your credit card bills, grocery bills, medical bills, library bills, electricity bills and so on. You can apply online for this loan easily and can get approval.