Credit Card Application 0 APR Unveiled

Without question, a great way to save money is by taking advantage of a credit card application 0 APR, whether it be on new purchases, balance transfers or both. There are some fine offers to choose from, from respected banks and issuers including Discover, American Express and Chase.

The best way to choose a quality credit card offer that will also afford you the opportunity to save money on interest rates is by doing a credit card comparison. Using the resources available on a quality website allows you to quickly and easily compare credit card offers that interest you.

It must be stated that while reviewing a credit card application 0 APR that these zero interest rate offers are for an introductory period only. Usually the intro rates last 6 to 12 months. Each and every card is different so be sure to distinguish between them. This applies for both new purchases and balance transfers.

Once the introductory rate expires the interest rates dictated by the bank and/or financial institution that issues the card will go into effect. While most offers will advertise their lowest interest rates, you must understand that these are for the cardholders with the very best credit scores.

Put another way, the advertised rate may not be the interest rate that you end up receiving. That is all based upon your credit rating. So, in effect, while you may be saving money on the front and with the credit card application 0 APR, you must also be aware of what the annual percentage rate will be once the introductory time ends.

There are, of course, other factors that must be addressed. Chief among them are the fees that accompany the offer. Credit card issuers are becoming more and more aggressive in charging cardholders fees so you must be aware of what they are. They can come in the form of annual fees, balance transfer fees, cash advance fees and so forth.

Other important factors, depending upon how you as a consumer plan on using your line of credit, include rewards programs. Make sure that you understand all of the terms and conditions prior to completing the credit card application with 0 APR to make sure it is the most suitable offer for you.

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