Tag Archives: special
Low APR Credit Cards or 0 APR Introductory Which is Better?
Comparing low APR credit cards to all the 0 APR Credit Cards can be a long and troublesome chore and you may still have problems deciding which one to choose from. When you see all of the various incentive programs, rewards, and, of course, the 0 APR feature you may think you should jump in and get that card before the offer expires. But are the benefits really worth the price you will have to pay after the introductory offer expires or are low APR credit cards instead a better choice?
First, look at the incentive programs offered by the various companies. If you do not travel all the time, then one with rewards of air miles is one you can ignore, and so on and so forth. If you are just trying to decide on a regular credit card without all the free incentives that you can earn and you just desire to learn if low APR credit cards or 0 APR Credit Cards are better, then you can now compare these two types of offers.
So ask yourself these questions: -Do you wish to have a credit card to purchase something expensive that you cannot afford without putting it on credit? -How long will the 0 APR last? -After the introductory period ends, how will the APR change? -Are there membership fees, annual fees, etc
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If you really need to buy something expensive then the 0% APR can look very appetizing, however if you will not be able to pay off your purchase by the end of the introductory special, you may learn that you will be paying more in the long run with higher interest rates. If you buy something expensive with a low APR credit card, of course you will have to pay interest, but the APR will not rise drastically after the introductory special. This can make a big difference if you do not pay off the debt within the timeframe of the introductory offer only to be left with a much, much higher APR to pay off. The low APR credit cards have the advantage of a sustainable APR and may even save you more money over time.
Remember, the introductory special will not last forever, most credit cards companies have introductory APR offers that last from 3 months to as long as 15 months. Then you will go to a higher APR. Therefore, low APR credit cards might, in fact, be a better solution for some consumers.
The best way to decide is to calculate the big purchase that you wish to make, see how much balance you will have left on your card when the special APR is gone and then see if it is still lower than what you will pay with low ongoing low APR credit cards.
Most importantly, regarding any credit card offer, you need to learn to ask questions and read the fine print. Are there any other fees that apply with low APR credit cards? It is always best to choose a credit with lower fees, lower interest rates and of course one that will fit your needs. Low APR credit cards do not change once the introductory time period is over which is a very big plus.
In Over Your Head? – Get a Payday Loan Online
Whether your child is turning one or sixteen, you want to make his birthday a special occasion. You want to give him a party he will always remember. Clowns, pony rides, magicians are favorite choices for the younger crowd. When your children get older, it’s about music, food, and the right clothes. On top of trying to find just the right entertainment to make their special day a memorable one, you still have to come up with a worthy birthday present.
It doesn’t take long to get carried away, and by the time you realize you’ve spent too much money, it’s too late! You’ve made deposits, ordered the cake, and wrapped the presents. If you need to get cash fast, you can get it from a Payday Loan Online.
All kinds of people use Payday Loan Online for a lot of different reasons. Some use them more often than others, and some may only have one event where they need a payday advance. Once you’ve used this service, you’ll have the comfort of knowing how easy it is to get the cash you need.
You don’t have to explain why you need the money to get a Payday Loan Online, so what you do with it is up to you. If you need it for an emergency, like for medical bills or car repairs that’s fine. If you want it for a special occasion, just to make it a little more special, that’s okay too. It’s your money, you can use it however you want.
To apply for a Payday Loan Online, just click on the link. This takes you to the application and within a couple minutes, you’ll be finished! You find out almost immediately if you are approved. If you are, the money may be in your bank account in as little as one hour. You must be of legal age to apply. You also need an active checking or savings account, and a stable source of income. It doesn’t matter if you get paid weekly, biweekly, or monthly. You may still qualify.
A Payday Loan Online is a short-term loan that defers payment of your electronic check until time for your next payday. Once the money is in the bank, the amount of the loan plus a small one-time fee that depends on the amount you borrowed is taken out electronically.
Loans are available from $500 to $1500, depending on the amount of your income. There’s no credit check, so if you have less-than-perfect credit, or no credit, it doesn’t matter. You may still qualify. The entire process takes place online, so it’s completely paper-free. You can conveniently apply from the luxury of your own home. There’s no driving out during someone else’s hours of operation, no faxing any papers, and you don’t even have to go pick up the cash. Once deposited, you can use your debit card to pay your bills.
A Payday Loan Online is fast, easy, and convenient. It’s available twenty-four hours a day, seven days a week. Whenever the unexpected happens to you, or you just get carried away with spending, a cash advance is just a click away.