Articles & News About Your Credit

0% APR Balance Transfers Credit Cards: Three Top Choices

There is a lot of interest in 0% APR Balance Transfer credit cards because of the tremendous savings possibilities they offer. You don?t have to be an MIT graduate to understand that the 20% you are paying to a high-interest credit card on a balance of $ 10,000.00 is two grand; and if the interest on your credit card was 0% APR, that money would stay in your pocket. It turns out, however, that not all 0% APR credit cards are the same. Major credit card companies, who are competing fiercely with each other at this moment, use a variety of enhancement programs that combine the idea of 0 % APR Balance Transfers and with other add-on bonuses. Consider the offerings of three of the largest credit card companies, how they are similar in terms of the basics, but are putting a twist on benefits:

The Chase Platinum Credit Card

Chase bank has been in the credit card business for a long time, and this card is their standard offer. It has 0% APR on all purchases and balance transfers, provides free online account access, and does not charge an annual fee. The only question about this card is how long does the 0% APR last; and the answer depends on your credit. If you have excellent credit, Chase will give you 0% APR on purchases and balance transfers for a full year. If your credit is good enough to qualify for the card, but not quite good enough to meet the higher standards, that period of 0% APR drops. Still, the opportunity to transfer balances and make purchases at 0% APR makes Chase a good choice.

The Miles Card from Discover

Another industry heavyweight, Discover, has 0% APR credit cards available for purchases and balance transfers. The Miles Card, however, adds the benefit of accumulating airline miles to help consumers choose Discover over everyone else. The company touts their 0% APR credit card for its twelve month duration and the ability to include balance transfers at no interest. The real inducement, however, is the 12,000 mile sign-up bonus and one-mile-for-one-dollar point award. Just to make the deal a little sweeter; there are no blackout dates for these miles and you can fly any airline at any time. You have to have good credit to get one, but the Miles Card from Discover may be a good way to save interest on purchases and balance transfers while building up miles for the next vacation.

Citi? Diamond Preferred? Rewards Card

This 0% APR credit card from Citi not only gives you 12 months of interest-free funds and no balance transfer charges, it also has a points reward system that gives you redeemable points based on purchases. The program works by offering five reward points for every dollar spent on purchases made at supermarkets, drugstores and gas stations; all other purchases get one point per dollar. You get 5,000 bonus points when you get your card, which can be redeemed for a $ 50.00 gift card after your first purchase. Like the Discover card, you will need good credit to get this 0% APR card, but the initial bonus points and rapid accumulation of reward points for purchases of the basic necessities of life could make this just the card for you.

These days, the question is no longer about finding a 0% APR credit card or a 0% Balance Transfer card; the issue is how would you like that card?with extra months of interest-free money, airline miles, or other rewards such as incentive point programs? Any person who is currently carrying balances on high-interest credit cards should shop online and take a look at the 0% APR and 0% Balance Transfer credit cards from Chase, Discover, Citi and other companies. You may just find the right card for you.

Click here to find http://www.credit-card-surplus.com/balancetransfer.php. Ed Vegliante runs www.Credit-Card-Surplus.com, a directory assisting consumers to compare and apply for credit cards.

Other Article Sites

findabook.com  moneycd.info  a-mortgage.info   about-lemon-laws.info  aboutstudentloans.info
all-about-publishing.info  auctions-articles.info  bestcollege-university.com  bestispconnection.com
biblefolder.com  blogger-website.com  books-used.info  brokers-guide.info  buywindows.info  cable-dsl.info
career-miner.com  carpel-tunnel.info  cashinaflash.info  cashloanreviews.info  casinobell.com  chat-house.info
clearmycredit.info  collegeloantips.info  crones.info  depression-articles.info   dirnic.net  dishguides.info
divers-below.com  expodog.info   financewizz.com  fire-insurance.info  getgood.info  handleit.net   it-idea.info
health-supplies.info  hosting-right.com  insidealert.com  insurance-facts.info  jobs-employment.info
justgood.info  lookgold.net   lowcost-travel.info  money-source.info  myhostzone.info  numisblog.com
peoplesearchfinder.info  pr-articles.info  realeas.com   refinancing-guides.info  spyware-remove.info
telelot.info  the-law.info   toppaid.info  travel-deals.info  travelcorrect.com  wedding-guide-site.com
your-blog.info  your-credit.info

A Simple Guide to Understanding Credit Card Chargebacks
What is a chargeback and when does this happen?

A Travel Credit Card Is Always In Season
It's never too late to be looking for a travel credit card that can help you save on that next out of town trip. If you are planning an off-season excursion, you still have time to find a new credit card that can earn you bonus points for air travel or offer you discounts at specific hotel chains and out of town restaurants. .

Why Should You Have Credit Cards?
Let?s talk a little in detail about the types of credit cards so you know which you are able to benefit from the most Sometimes only one will work for a particular person's situation, while other times having more than one will benefit you better

How Do I Build Credit?
Building credit for the first time isn?t as hard at it seems When people think of their first credit card, they think they have to apply for a million cards before a card with a high interest rate approves them

SBA Reports Small Businesses Taking on More Credit Card Debt
Last week the Small Business Association (SBA) reported on small business loans. Small businesses have more outstanding debt. Most of it was credit card debt. Small business owners and buyers should use caution when using credit cards. Learn about small business financing and SBA loan options.

Cost Management Franchise Experts Comment on UK Credit Crunch
Nick Tubb, Managing Director of whitecollarfranchise.co.uk, along with other cost management franchise experts, comments on the ways cost management can help save struggling businesses during today's challenging economic climate.

Discover Something New Every Day With A Discover Credit Card Account
Your credit rating is good. Your finances are in apple-pie order. You can pay off your debts on time. So, why not get a credit card that can give you more than the usual all-purchases at 1% only interest. A Discover credit card account lets you do more for less.

Kevin Wessell, CEO Companies Incorporated, Small Business Filing Services Expert Provides an Online Educational Series on Building Business Credit Pro
Kevin Wessell, CEO of, Companies Incorporated, known for providing small business development services extends his reach with a complete business credit building program and information series about establishing corporate credit without the use of personal guarantees.

Katz Mortgage Team Now Offering New 95% FHA Cash-out Loans for Borrowers with Less Than Perfect Credit
Katz Mortgage Team, www.KatzMortgageTeam.net, of Amtrust Mortgage Corporation, are pleased to announce they are now offering new 95% FHA Cash-out loans for borrowers with less than perfect credit. These loans have been updated with new higher loan limits up to $544,000 depending on the county; however, most metropolitan counties have a limit between $200,000 and $300,000.

Best Business Credit Cards For Small Business
Obtaining one of the best business credit cards available for your small business is an important part of securing the financial future of your business. There are numerous credit card lenders offering cards for small business, in the hopes of providing a means to help finance your small business. The benefits of using these cards are numerous. Locating the best business credit card for your needs first requires an assessment of what essential features that you'll need your card to provide.

Poor Credit Home Mortgage Loans - Getting Approved With No Down Payment
When applying for a new mortgage with poor credit, you may be wondering whether or not you can get approved with zero down. There are a few factors that will influence this. Consider these points:

Rapid Credit Score Recovery After Bankruptcy!
Most credit experts agree that the worst possible credit entry on your Credit Report is a Bankruptcy. Whether you have filed a Chapter 13 (13 is a pay back plan with just some debts eliminated) or Chapter 7 (everything is eliminated except for a few essentials), it demonstrates a complete failure in managing your credit.

Credit Card Processing: Legally Beat the System by Passing Processing Fees to Customers
Imposing surcharges on credit card transactions is illegal, and it will only lead to problems. The secret to beating the credit card processing system is not charging more for credit card sales, but instead is charging less for cash sales. It may sound like the same thing, but there is a big difference.

Seattle-based Watermark Credit Union Receives Prestigious Award from Washington State Psychological Association
Watermark Credit Union is excited to announce that it won an award in 2007 from the Washington State Psychological Association as a Psychologically Healthy Workplace.