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Understanding The 0% Intro Rates Credit Cards
Just like there are a lot of flavors to ice cream or a great deal
of genres in music and books, there are also a lot of types to
choose from when it comes to credit cards.
And because credit cards
deal with money and finances, just the slightest variation can
spell a whole lot of difference in terms of life's comforts.
Basically, however, there are just two primary classifications
of credit cards: the reward type of credit card and the non-reward
type of credit card. But what do you think is best for you? Well,
the definition of each type should give you a clue then if you're
still unsure on which type of credit card you prefer to own.
The reward type of credit allows you to earn reward points every
time you use your credit card.
The more money you spend using your
reward type credit card, the more points you earn. You can redeem
all sorts of prizes with the reward points you earn. The downside
however to reward types of credit cards is the high interest rates
they charge you.
On the other hand, there is what you'd call the non reward type
of credit cards.
Non reward type of credit cards does not,
obviously, offer you the chance to earn bonus or reward points. But
they do however charge the credit card owner very low interest
rates. One particular type of non-reward credit card should be the
focus of our article today and that's the credit card that offers
0% intro rates.
Now, now, now, don't get blinded with the fact that there are
the words "zero percent" (0%) attached to the term credit card
because all is not what it seems! I'm not saying that a 0% intro
rate credit card is a curse - or a blessing - in disguise but only
that you should know what you're getting into first before making
any decision that could affect your life.
A 0% intro rate credit card basically allows you to enjoy a zero
percent interest rate for a certain period of time. The length of
that 0% interest period varies and depends on the credit card
company you're planning to apply to. But after the period or promo
expires, you'll be back to the usual rates and those are the rates
that you should start comparing.
If and when you do decide to go for a 0% intro rate credit card,
just remember to ask what the rates would be after the promo period
expires!
Michael Colucci is a technical writer for
.
low-interest-creditcards.org - A site that offers credit
cards with an intro rate of 0% for 12-15 months.
Michael Colucci is a writer for $2.99 Hosting and
Low Interest Credit Cards
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