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cibc secured credit cards
Low Interest Rate Credit Cards: Telling the Good from the Bad
There are several credit card companies that offer low interest rate credit cards. However, along with low interest rates, the best credit cards offer combinations that include low interest rate on balance transfers and purchases, 0% introductory APR for a fixed period of time, low or no annual fees, cash back percentages that vary from 1% to 5%, reward programs, and/or reduced cash advance fees. A good low interest credit card strives to keep the user's cost of borrowing as low as possible. If a low rate credit card assesses a hefty transaction fee, it offsets any benefits that may have otherwise accrued to a cardholder.
The credit rating of an applicant is taken into consideration for deciding the time period of the introductory APR of 0% and the balance that it will be applicable to. People with excellent credit rating can avail the lowest interest rates that a company offers. The cash backs can be had at places such as supermarkets, drugstores, and gas stations.
It is useful to compare the fixed/variable interest rates applicable with the various credit cards after the introductory period. Fixed interest rate credit cards often offer better value to the users. Factors such as the length of the grace period, late fees, etc. should be compared for low interest rate credit cards. There are several online resources that offer detailed comparisons and reviews of low interest credit cards. These should be referred to get an idea regarding the type of low interest credit card best suited to an individual's requirements.
A good low interest credit card from a reputed credit card company is universally accepted. Low interest credit card offers from companies such as Discover, Chase, HSBC, First Premier, and similar companies are considered to be among the best.
An important aspect to be aware of is that the simple interest rate advertised may not be the effective interest rate. The effective interest rate is a compounded interest rate inclusive of annual fees, if any. Also, it is important to ensure that the low rate of interest is not liable to change any time soon. In order to avoid signing up for a credit card that is not really a low interest credit card, it is best to read the fine print carefully and ask questions before submitting the signed application.
Switching to a low interest credit card can help save hundreds of dollars for individuals who are in the habit of carrying a balance each month. Credit cards that offer a 0% interest rate on balance transfers offer an excellent opportunity for settling credit card debt without having to pay interest on it.
An important indication of a genuine low interest credit card is that it will not charge any superfluous fees such as enrollment fees from applicants with perfect credit; such fees are usually reserved for high-risk applicants with bad credit.
About the author:
Samuel Petry recommends you visit Credit Card Assist to learn more about low interest rate credit cards.
More Useful Resource and Updates on cibc secured credit cards
- Small Businesses Dissatisfied With Credit Card Processors (Marketwire via Yahoo! Finance)
A new survey shows small businesses are dissatisfied with their credit card processing arrangements. Transparent Financial Services, operator of the only comparison shopping website for business financial services, today released the results of a survey that indicates many small businesses have little trust or loyalty to their credit card processor (also known as a merchant account provider). ...
- Comptroller seeks weaker credit card reforms (USA Today)
In an unusual move, the Office of the Comptroller of the Currency has asked other federal regulators to scale back a proposal to crack down on unfair and deceptive credit card practices.
- Police issue warning about credit card fraud (Saskatoon StarPhoenix)
Saskatoon police are warning the public about a fraudster, or fraudsters, who are buying expensive items with fake or stolen credit card numbers.
- No warning: Why credit card rates jump from 7 to 19 percent (WTOL 11 Toledo)
David Giantomasi was shocked when the interest rate on his Chase credit card suddenly jumped to 19.99%, up from 7.99%. When he called the card issuer, he was enraged by the explanation.
- Suspected credit card thief sought (Evansville Courier & Press)
The Warrick County Sheriff's Department is hoping someone will recognize a suspected credit card thief captured on surveillance video at an Evansville Wal-Mart.
- Credit-Card Rage (BusinessWeek Online via Yahoo! News)
David Giantomasi says he vigilantly paid his credit-card bills each month. Even if he could only make the minimum payment, he made sure to get all his monthly payments squared away. So he was shocked when the interest rate on his Chase credit card suddenly jumped to 19.99% from 7.99%. When Giantomasi called the card issuer to demand an explanation, he was enraged. He was told that overall ...
- Giant Eagle Bows fuelperks! Credit Card in Northeast Ohio Stores (Progressive Grocer)
Giant Eagle has launched a signature fuelperks! credit card in many of its Cleveland area supermarkets, as well as in all of its Canton and Toledo stores.
- Two more BGSU players are suspended in credit card case (Bowling Green Sentinel-Tribune)
Two more BGSU football players have been suspended in connection to an incident of unauthorized use of a credit card...
- CreditCards.com: Weekly Credit Card Rate Report (Business Wire via Yahoo! Finance)
AUSTIN, Texas----Annual percentage rates for new credit card offers dipped lower this week, according to the CreditCards.com Weekly Credit Card Rate Report.
- CreditCards.com: Weekly Credit Card Rate Report (wallstreet:online AG)
Annual percentage rates for new credit card offers dipped lower this week, according to the CreditCards.com
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