Zero Balance Transfer
By bluepanjeet on May 8, 2008 in *Ideas Meets Improvements
In this critical time when all prices seem to rise, we consumers need to rethink our priorities especially with our budget. Money that we work hard for continue to lose value as interest rates from various purchases, debts and credits rise up like a smoke coming from an open fire. That is why we need to have credit cards that offer no interest rates on purchases, balance transfers and cash advances. So in this way we can save our money’s worth. Let us do a detail run through on how it will be possible for you to have these kinds of services.
First Move: Get credit cards that offer 0% interest because this is often a great way to start your search on services. Interests on your purchases can be deferred for a full year with 0% interest rate. This is especially a very helpful tool especially when you are planning to make a very big purchase immediately. For example if you are going to purchase lets say a new Computer set amounting to $4000 on a 0% interest credit card, you can save $400 worth of interest per year.
Second: If you have a balance on your credit card, a 0% APR balance transfers can provide hundreds, even thousands of dollars a year in interest savings. For example, if an Individual have a recent balance of $10,000 on a CC with a 10% IR, then one must expect to at least save $10,000 this year on interest with 0 balance transfers. Try to increase that IR to at least 15% and you can save for over a thousand dollars. There are many CC out there that offers no fee balance transfers so there is really no reason why one should delay himself in acquiring such promo. In a matter of minutes, you can easily save hundreds with a new CC.
Consumers and clients eyeing for the advantage of a 0% APR on purchases and balance transfers will result in a number of CC offers on the market that provide a full year of zero interest on both. The best way to save money is to use a 0% interest rate CC that gives a zero APR on both purchases and balance transfers, as this insures you will not be paying interests for a full year on new and old purchases.
Third Move: Acquire CC feature of Cash Advance. 0% APR cash advances allows an individual to utilize Cash advance checks in paying bills or prioritized expenses which can’t be used in credit cards. There is, on the other hand, a 3% Transaction fee for cash advances.
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