Finding The Elusive 0 Apr Credit Card

Credit cards are certainly one of the greatest weaknesses for human beings. Now, I cannot really speak on behalf of everyone else, but Americans are seriously guilty when it comes to "charging it". I worked in customer service for 8 years and saw people day-in and day-out, abusing those evil credit cards. I call them evil for

obvious reasons. They tend to shaft you with the interest rates at some point or another. Of course if you can find a 0 apr credit card, then that is ideal. Make sure it provides for zero interest on both balance transfers and purchases. The problem is finding such a card that provides for anything other than balance transfers. Should you actually find such a credit card, then I commend you.

If you're not yet savvy when it comes to credit cards and how they work, let me fill you in. The perfect plastic would be offered in the guise of a 0 apr credit card. Now, these are not so easy to come by. Typically what credit card companies do is pitch the zero rate on balance transfers. This generally only lasts for a year. Then it

is hard to say how high the annual percentage rate will go. This is their way of catching your interest. Maybe you have student loan debt of ten grand, which has a horrible percentage rate. Well, you can transfer the balance onto your new credit card and suddenly have a 0 percentage rate. That's great! There are no two ways about it. It would even be better if you could pay the debt off before the year runs out. Anyway, with most 0 apr credit cards it doesn't concern purchases. I have yet to see a credit card that offers such a low introductory rate on purchases. They want to make money off the interest. This is why they don't offer it with

purchases. They know, however, that they will keep you if you transfer a balance onto their card. It is hardly ever over after one measly year. Then you will be forking out the interest each month. This is simply the way of

the credit card.

Maybe you're searching for a zero annual percentage rate for the purpose of one or more balance transfers. Hey, you should definitely delve into cyberspace and do a search. I'm sure you will find several 0 apr credit cards currently available. Just remember that these offers most likely are in regard balance transfers only. It is doubtful that the low introductory rate also covers purchases. It's best to know this before putting more plastic in your wallet.

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About the Author:
Eric Weeks, a former 15 year financial planning veteran, is one of the internet's leading experts on apr and acquiring 0 apr credit cards since 2002. Study these articles to learn how you can take advantage of similar offers.

Article Originally Published On: http://www.articlesnatch.com

Tags: apr , 0 apr , low apr credit cards , 0% apr balance transfers , 0% apr credit cards

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