0 Percent Credit Cards-The Truth About 0 Percent Credit Cards

Posted by Joel Andrews

July 20, 2009

by Joel Andrews

When searching through different credit card programs, there’s always more to consider than a low APR or 0 percent credit cards. You might find it better to choose from the extensive number of rewards credit cards, airline credit cards, cash back credit cards, platinum cards and no annual fee credit cards. No matter what you end up choosing it’s always good to know your options. 0 percent credit cards have their advantages but they are not the best choice for everyone.

Right For You?

Ask yourself how you plan on using your credit card and that will determine which card you actually choose. 0 percent credit cards are very appealing to many consumers right now, given the current economy. Instead of completely paying off their bill each month, a greater number of consumers may find themselves struggling with credit card debt. Using low APR or 0 percent credit cards can help lower your monthly interest charges.

0 percent credit cards may not be as appealing if you intend to completely pay your credit card balance each month. You may actually be more attracted to a rewards offer or a cash back credit card with no annual fee and a longer grace period. It’s important to choose the right benefits that are tailored to you and your needs.

What To Consider When Shopping For A Credit Card

Are you going to transfer a balance?

Most 0 percent offers are only for an introductory term of 6 to 18 months; some offer a higher rate for a longer period of time. When you are transferring a large balance, you may find that a longer introductory period is the best option for you.

Where do you spend the most?

Many of the rewards cards offer bonus points for spending at certain locations. So you would want to get a rewards card that gives you bonus points, cash back or travel miles at the places where you spend the most. Cash back credit cards are the great option for a large number of consumers.

How’s the customer support?

Well trained customer service representatives can tell you how much you’ll save with a particular balance transfer offer, notify you of potential unauthorized charges or help with a dispute. Good customer support paired with online resources save you both money and time. Making a same-day payment without additional charges, changing a due date so that it better fits with your schedule or being notified of special promotions and reward offers all add up and give worth to your credit card.

Additional Benefits

Also, don’t forget about additional perks such as travel assistance, car rental insurance and automatic travel insurance. Always remember to read the small print to see the exact terms of low APR or 0 percent credit cards. The agreement will will give you information about the grace period(the time you have pay off your balance before you pay additional finance charges), and what rates, fees and restrictions that are involved. The more information you know the more value you will gain from 0 percent credit cards or any credit card offer.

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