The best way to use a credit card is to have one with a zero percent annual percentage rate (APR) that will not charge you interest while using the company for credit. Zero interest credit cards have a limited length of time that they remain at zero percent. This term will last on average about six months.
After the offer ends with zero interest and annual percentage rate (APR) will be assigned to your card. This is what you need to look into before you accept an offer or apply. If the percentage is low it is worth keeping. You can get the card if it is higher and find another card to accept near the end of the offer time.
For a card that is now at a high percentage rate it may be better for you to cancel the card and seek a new one. You can then have another grace period of zero interest with the new card. Most companies want you to stay with them and will offer you a low rate but do not assume this.
Always read the fine print for all offers. Make sure there are hidden surprises that a company hopes they can get by you. Do not be fooled by activation charges and yearly fees. These are bogus and you are already doing business with them and you shouldn’t have to pay for their housekeeping expenses.
You may have to apply for the best card. Do not just have to settle for the pre-approved offers that come in the mail. Look online and do your research for the best deal. If you see a better offer apply for it. Most of this can be done online.
Be a wise consumer and do your research in looking for zero interest credit cards. They are out there and you can take advantage of them. Save yourself money by not paying any interest while maintaining good credit in the process.
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