Low APR Credit Card Tips

Get Rid of Debt

2009-06-01T17:00:00.000-07:00

Do you want to reduce your debt? Use Debt Eraser to help you lower your credit card debt and even avoid bankruptcy. Get tips and advice from friendly Debt Specialists and get rid of your debt in 12-36 months. Get Rid of Debt

Small Business Credit Cards

2009-05-29T16:54:00.000-07:00

Using a separate small business credit card for your home-based business will help you keep your accounting records organized, which is essential for tax purposes. Finding a credit card for your small business, however, can be challenging. Compare cards and look for low annual fees and benefits such as discounts on travel, business supplies or cash back.

Even if your business is new, you can still get a Visa or Mastercard. Companies will generally look at your personal credit score, so make sure you've got a good score before you apply for a business credit card. Even if you start out with a low credit line, you can increase your credit limit substantially over time.

Lowest Credit Card Rate

2009-05-27T21:57:00.000-07:00

Optimize your credit score by carrying a low balance on your credit cards. Well, that may be pretty obvious. However, another benefit I've found to keeping a low credit card balance - and paying off your balance in full every month - is that you'lll tend to get the lowest credit card rate.

New Business Credit Card

2009-05-27T10:20:00.000-07:00

Are you thinking about starting a business? Getting a business loan for a start-up company can be difficult in a good economy - you may be thinking that it's virtually impossible with the economy we have now.

All is not lost. Don't forget the viable financing option for many small businesses: the new business credit card.

With most new start-ups, it's likely you'll receive a lower credit line than you'd like. That's OK, because with good spending habits, you can consistently grow your credit line over time.

This is something you may want to consider if you're NOT starting your business right away or you'll be building your company part-time in the beginning. Get your business credit card early, and let the credit line grow, so that when you're ready to launch or go full-time, you've got a substantial credit line to draw from.

New Business Credit Cards

2009-05-24T14:49:00.000-07:00

Whether you are starting a new business or have an established business, these business credit cards offer significant money-saving benefits that make them worth taking a look at.

Consider your business expenses to help you find the best credit card for your business:

- Do you travel frequently for business?
- Do you make large business supply purchases?
- Do you have a high-interest balance on another credit card that you want to transfer to a lower-interest business card?

If you're a small business owner, you may find that these new business credit cards give you many benefits that you're looking for.

5 Things to Watch Out for When Transferring a Balance

2009-05-21T16:45:00.000-07:00

Do you want to save some money by paying off your high-interest credit card? There are lots of great low-interest credit cards - some even with 0% apr for introductory periods for as long as a year! A great alternative to paying down your debt faster.

However, there are some things you need to watch out for, you know, the "fine print". Although there are many great credit card deals, as a smart "buyer", you always want to investigate before making a purchase or signing a contract. According to BankRate, the 5 major things you want to find out are:

1. Check the time limit on the balance transfer offer.
2. Understand what is covered by the 0% interest rate.
3. See if there are any hefty fees associated with the transfer.
4. Read the terms to ensure the card is not using a "bait and switch" type deal.
5. Make sure you pay on time.

To read more on this article, click here >> http://www.bankrate.com/brm/news/Financial_Literacy/Feb07_balance_transfer_a1.asp?s=1&caret=9b

Give to Others & Get Rewarded

2008-07-25T17:26:00.000-07:00

Is you own your own business, business credit cards can be a very helpful record-keeping tool - alllowing you to keep business expenses separate from personal expenses. Business credit cards also offer other benefits - low interest rates, cash back rewards, product discounts, convenient balance transfer options and more.

Advanta has traditionally offered business credit cards with great rates and programs, thus earning them high ratings from critics. Check out their latest business cards, which earned a 5 out of 5 star rating!

Are You Unknowingly Ruining Your Credit?

2008-07-17T16:13:00.000-07:00

Are You Unknowingly Ruining Your Credit?

Here are some valuable tips from credit experts on (1) Not asking for what you want (2) Accepting credit line increases and (3) Consolidating your credit card accounts.

What will and won't hurt you? And are there easy sneaky ways you can get around these traps? Find out here

Credit Card Interest Rate Averages

2008-07-10T15:20:00.000-07:00

Here's an interesting chart of credit card interest rate averages - both current rates and how they've changed from 6 months ago. Interest rates are shown by card category (i.e. business, airline, student, etc.)

If you are using credit cards to help cover expenses, comparing interest rates of cards is something you'll want to take a look at, especially if you can transfer a high-interest balance from your current credit card to a lower interest or 0% APR intro rate on another card. Depending on your balance, you can save hundreds of dollars on interest - and I'd guess there are other things you'd rather spend that money on than interest....

Beating the Airline Fare Hikes

2008-07-07T08:19:00.000-07:00

I just read this morning that many airlines are attempting their 21st fare hike for the year. When will the fare hikes stop? Here's yet again another reason to use a credit card that earns you airline miles for significantly cheaper air travel.

These days, you can find credit cards that offer bonus miles and 0% apr introductory rates - and you don't even have to pay an annual fee. What an easy way to save money!

Pick a card that offers unlimited mile rewards if you are a big spender - believe it or not, there are some. And if you charge enough on your airline credit card, you may find that it's cheaper to fly to the grocery store than drive.

Poor Credit? Here are Low APR Solutions

2008-07-02T12:17:00.000-07:00

If you have poor credit or no credit, you may be limited on your credit card choices. However, you can still get a low interest credit card, some cards even offer a 0% APR introductory rate.

Many credit cards designed for customers with less-than-perfect credit will charge a nominal annual fee, but it usually ends up being just a few dollars a month. If you think about it, this is a small price to pay for a low interest rate credit card PLUS a service where your timely credit card payments are reported to all 3 credit bureaus automatically.

It's a great way to build up your credit score so you have more credit options in the future. Low APR Credit Cards for Poor Credit

Help the Environment & Save Money!

2008-06-30T13:24:00.000-07:00

In today's world, not only is it wise to be "green", it's quickly becoming essential. Fortunately, in addition to helping the environment, we can also be assisting our own finances - another growing concern in today's economy.

Here are 7 simple ways you can help the environment AND your wallet, starting today. And did you know that you can use a credit card to fund renewable energy projects. (at no cost to you!) There are certain credit cards that will make contributions to renewable energy projects when you charge your purchases. What a novel idea. What will they think of next?

The Fed's Interest Rate Decision: How it Affects You

2008-06-27T10:35:00.000-07:00

The central bank has cut the interest rate seven times in an effort to boost a slow economy. Now, the Federal Reserve has decided to keep interest rates where they're at. So how will that affect you - and your credit card rate?

Credit card companies tend to move rates on variable rate credit cards in line with the prime rate of interest. So if interest rates are increased in the near future, you'll probably see your credit card interest rate go up as well, assuming you have a variable rate.

So how do you know if you have a "variable rate"? You can contact your credit card company, or use this online credit card search tool to find your card, then review the card specifications.

Suze Orman's 9 Steps to Financial Freedom

2008-06-25T10:50:00.000-07:00

I have been a long-time fan of Suze Orman. She is great at giving you the facts - straight up, and I personally have saved a lot of money using her advice and strategies. She has many financial success tips that go beyond saving and investing. For one, your thought processes can have a huge effect on your financial success - many of which you may not really know are problems.

In this review, she'll really get you to think and evaluate your thinking and your lifestyle and give valuable tips on making simple changes that can greatly affect the rest of your life. 9 Steps to Financial Freedom

How to Repair Your Credit

2008-06-23T09:45:00.000-07:00

If your credit is in bad shape (and you need it fixed), here is some interesting information that you can use to your advantage.

You as a consumer can dispute or challenge any negative information on your credit report that you believe is incorrect. Through the Fair Credit Reporting Act, the credit bureaus must complete their investigation of your dispute within 30 days. Any information that cannot be verified or is found inaccurate must be deleted from your credit record. See how you can repair your own credit starting right now.

Do you know what your credit score is? You can get your credit score free online through GoFreeCredit, part of the Better Business Bureau Online Reliability Program.

Transferring Your Balance to a 0% Credit Card

2008-06-20T08:52:00.000-07:00

If you have a high interest rate credit card with a high balance, transferring your balance to a new credit card with a lower interest rate could save you some money. And with so many credit card options out there, the question of the day is, "Which one?"

You of course want to find out what the transfer fee is (if any), how much interest you will paying on the new card, what amount you can transfer and how long you have to pay it off before the low interest rate expires.

There are also a few other helpful tips that can help you find the right balance transfer credit card for you. Read more >> Transferring Your Balance to a 0% Credit card

10 Common Credit Card Mistakes - and How to Avoid Them

2008-06-19T09:00:00.000-07:00

Credit cards have many advantages, but if not used wisely, they can cost you. Don't be caugh by surprise wondering, "What happened?". By simply learning basic credit card rules, you can save yourself money, hassles AND keep your credit score as high as it can be.

The funny thing is that many people end up making the same mistakes. Get a head start on everyone else - find out the 10 most common mistakes listed here - and how you can avoid them. >> 10 Common Credit Card Mistakes

Prevent Your Identity from Being Stolen - Guaranteed

2008-06-17T11:14:00.000-07:00

LifeLock is the leading provider of identity theft prevention services.

It actually helps PREVENT crimes before they occur. Unlike any other company in the industry, they guarantee their service.

WHAT LIFELOCK DOES:

They block your credit so only you can use it. Guaranteed.
- Stop pre-approved credit offers
- Drastically reduce the amount of junk mail
- Ensure that things go smoothly when you apply for credit
- Get Free Annual Credit Reports
- Lifelock also prevents children's identities from being stolen

FACT:You are 25 times more likely to have your identity stolen than to have your car broken into and it takes consumers an average of 177 hours and two years to restore their identities after they've been stolen.

Click here to find out if LifeLock is right for you >> LifeLock Identity Theft Prevention

Earn Free Vacations with Credit Cards

2008-06-16T09:24:00.000-07:00

Travel expenses can be costly. And if you travel for work, you know that travel expenses can add up fast. Why not use these costs to your advantage and earn free hotel stays, airline miles or car rentals?

Just by using a credit card, you can do just that - and if you use your credit card on certain travel expenses, you can often earn your rewards faster, sometimes in double-time.

So guess what? Yes, there are lots of travel reward credit cards to choo6e from. However, few of these cards offer multiple reward programs - meaning you get to choose how you apply the reward points you've earned. Click here >> Earn Free vacations with Credit Cards

Transfer Your Credit Card Balance at 0% for Free

2008-06-13T08:38:00.000-07:00

Transfer your credit card balance FREE and get 0% APR for up to 12 months!

We like these credit cards because besides receiving free balance transfers at 0 intro apr for up to 12 months or more, many offer additional reward benefits such as no annual fee, cash back rewards, gas rebates, high credit lines, auto rental insurance and discounts, fraud and security protection services and much more.

Use the free balance transfer option with these 0 intro apr credit cards, and you can be making money with these cards.

Apply for Credit Free Now >> Transfer Your Credit Card Balance for 0% APR

Use Credit Cards to Pay Less for Gas!

2008-06-12T10:25:00.000-07:00

Are you paying more for gas than you'd like? Why not get a gas reward credit card where you can get gas rebates (of up to 5%!). It's basically like paying less for your gas - so why not?

If you do the "gas rebate" math on a $4 gallon of gas, 15 gallon tank - that's a $3 savings (on just 1 fill-up!) How many times a year do you fill up? That $3 can really add up over the span of a year. And if you have an SUV or gas goes up to $5 a gallon, you get an even bigger savings.

Many of these gas rebate credit cards have no annual fee, and you can use them at any gas station - even earning rebates on non-gas purchases.

Apply online free here >> Gas Reward Credit Cards that can save you cash!

Top 10 Cash Back Credit Cards

2008-06-11T10:06:00.000-07:00

If you make the majority of your purchases with credit cards and pay off your credit card balance every month, you can earn yourself a nice cash gift at the end of every year - or sooner!

I have a Citibank Dividend cash back credit card, and I simply notify them via my online account whenever I want to redeem a cash-back check from them. It's really that easy - and I don't have to wait until the end of the year!

Here is a list of the top-rated cash-back credit cards, most with no annual fee and low APRs >> Top 10 List of Cash Back Credit Cards

Instant Approval Bad Credit Credit Cards

2007-12-04T14:38:00.000-08:00

Find out what "bad credit cards" really are and how you can use them to your advantage. when you are having a difficult time establishing credit or getting approved for a credit card, these tools can really help.

You can be back on track with improved credit faster than you may think. Click here to learn more >> Instant Approval Bad Credit Credit Cards

Why Business Credit Cards?

2007-11-06T08:38:00.000-08:00

Are you starting a new business? Whether your business is brand new or you've been in business for years, business credit cards can be a huge time saver and organizing tool for your business.

Business credit cards come in handy when it comes to handling operating expenses or unexpected costs. In addition, if you pay off your business credit card bill on a regular basis, you can also help your company build its credit standing - you'll improve your business's ability to obtain loans for future expansion and growth.

Find out more here >> Why Business Credit Cards?

Boost Your Credit Score FREE with Credit Cards

2007-11-02T12:13:00.000-07:00

According to Ed Nailor of Bestnewcreditcards.com, The best way to make your scores improve is to keep the balance of your cards low in relation to your higher limit. In other words, with a $1,000 credit limit, you should carry no more than $100 in balance to optimize your score.

Click here to find out more >> How to Boost Your Credit Score