This document discusses factors to consider when choosing a low-rate credit card. It notes that customers can benefit greatly from savings on interest charges by switching to a card with a low regular APR, especially if carrying a monthly balance. When choosing a card, it's important to compare the APR, fees, and terms and conditions. Some cards offer low or 0% rates for a limited introductory time period, so it's crucial to understand the rate after that time. Choosing the right low-rate credit card can help reduce credit card debt and save on interest charges over time.

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Low Rate Credit Card
Financial Dept. American Association of Credit Card Holders
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Customers who know how to make the
best of a low rate credit card benefit
immensely from the savings. Especially
if you carry a steady monthly balance,
it is highly recommended to shift over
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to credit cards with a low regular APR.
As you browse around you will be
0 APR Credit Card Offers
surprised at the number of credit card
companies offering low rate credit
0 APR Credit Cards
cards.
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It can be quite challenging choosing
Cards the best credit card that suits your
lifestyle and needs. However, it is
0 Interest Credit Cards worth the effort choosing a low rate
credit card as the high interest rate
0 Interest Credit Cards UK you otherwise pay can outweigh any
benefits you enjoy with credit cards.
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As you shop around for a low APR credit card, remember to compare not just the rate of
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interest but a variety of other aspects too. First of all, learn if you are eligible for this type of
credit card as most of them require you to have an excellent credit rating.
Low APR Credit Card
Shopping for a low rate credit card is all about comparing terms and conditions and
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associated costs of your existing credit card. It is a good idea contacting your existing card
Credit Card company to find out if they can lower their rates of interest before switching over to another
card. If they refuse, then it is time to choose the best card that suits your repayment and
Low Interest Credit Card spending habits.
Low Rate Credit Card
There are various factors to be
» considered as you hunt for a low rate
credit card.
Most often, you will find that different
services offered by a credit card
company attract different rates. For
instance, purchases could attract only
9% interest whereas cash advances
interest rates could be as high as 20%.
The card could be offering 0% balance
transfers.
It is therefore in your interest to
determine the purpose for which you
are opting for the card before choosing
a low rate credit card.
Find out whether the interest offered by the low APR cards is fixed or variable. If you carry a
steady balance, you must opt for the fixed rate of interest as even a slight change in the APR
rate could drastically increase the amount you pay every month.
You will find that certain low rate credit card interest is very low on certain balance amount
and quite high if you cross the limit. For instance, you may be charged only 9% interest for a
balance of $500 and the rate may increase up to even 15% if your balance rises to $900.
Certain companies offer low rate credit card for a limited period of time as an introductory
offer. It is very important to be cautious here and find out what would be the rate of interest
after the offer period ends.
Low rate credit card is the best option for those who have multiple credit cards and are
looking to consolidate their credit card debts. You will find credit card companies offering 0%
APR for balance transfers and also do not charge any transfer fee. This could help you reduce
your debt to a great extent and enjoy substantial interest savings.
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