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The word free tends to open anyone eyes. Like free credit cards. The real term for free credit is actually zero percent credit cards. 0 APR stands for annual percentage rate. To make a long story short, 0 APR means you do not pay any monthly interest on the card.
If one of the things your credit card plan offers is air travel miles make sure the destination you want to go to is covered in your credit card plan package. Most credit card companies pair up with a airline or a few airlines, but some cards just offer air travel miles.
Can you get out of credit card debt and pay off your principal balance. It may take some work but this is what you can do. Say you have $5,000 in credit card debt. Sign up for a credit card that does zero interest for six months and transfer your balance. Once the trial period runs out you find another offer and transfer the balance again. You can continue to do this until you drive the balance down to zero. It may take some hard work and even up to 2 or 3 transfer balances per year, but I think you will agree paying high interest payments will never get you out of debt.
Student credit card and even regular credit card programs vary from time to time. It maybe a zero interest APR offer or some sort of cash refund program, but in the end there usually is a credit program that fits everyones requirements. Believe or not some credit card companies offer reward points to college students who continually get good grades. So if you keep your grades up that spring break trip to Mexico can become a reality. It is great idea by the credit card companies and also teaches you money discipline early on.
Most students who attend college and forget to take out enough loan money to pay for every day life things end up getting a student credit card to cover these expenses. Some even pay their off campus housing rent with it. They start making cash advances (which have much higher interest rates) and within months they have dug themselves into a debt hole they cant get out of. If youre a worried parent make sure you sit down with your child and pick the right credit card plan for them. Monitor their spending habits on-line through the website. Even put a monthly cap on their spending. Make sure you teach them to be responsible with their new student credit card.
Many students will apply for several credit cards instead of using their current one responsibly. What they will do is max out the first card, then accept another offer and another offer, and keep this pattern going on. What they do not realize is they have to pay this back and the interest rates on these cards are through the roof. It only takes a few irresponsible months before you dig yourself a debt hole that you would rather crawl into then dig out of. Most students think if the make the minimum payment then they are ok, but in reality their situation becomes worse. These finance charges stack up each month and compound out of control. If you sat down and do the math your whole life could be spent trying to dig out of this debt.
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Daily Credit Card Update
Credit Card Rates Rising (NBC 5 Dallas Fort Worth)
Card companies can raise interest rates without notifying the cardholder.
Comment: How Low Can Your Rate Go? (The Motley Fool)
Good news for new Barclaycard Platinum MasterCard/Visa customers: the annual interest rate has just been cut by 3%! From today, new Barclaycard Platinum customers will pay a lower rate of 14.9% typical APR on purchases, versus the previous rate of 17.9% APR. What’s more, the other features of this credit card remain unchanged: it still offers 0% on balance transfers for a year (with a handling
THE FED: Fed Holds Rates Steady, Maintains Inflation Bias (Nasdaq)
WASHINGTON (Dow Jones) — The Federal Reserve decided to remain on the sidelines Wednesday, keeping interest rates steady but leaving the door open for further increases if inflation does not behave.
Lower credit card rates not as hard as you think (San Jose Mercury News)
Your credit card company won’t tell you this, but it’s easier to get a lower interest rate on your card than you might think. You just have to ask for it. Here’s how, in seven easy steps:
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