Posted By admin , on
June 15, 2008 at 4:14 AM .
Category:
Credit Cards
Beginning college at some far-off university can be a tad intimidating to say the least. Okay, let’s be honest; it’s down right scary. Suddenly you’re on your own, without mom and dad there to bail you out. Bills start to stack up. While rent and food can get pricey, try not to forget about other expenses such as gas/public transportation, the cost of classes, text books and cash for any fun you intend to have on the weekends. Naturally these expenses can get overwhelming for many, but it’s crucial to remember one thing. You don’t have to do it completely on your own. Sure, you may already have a job and student loans or grants, but don’t dismiss the obvious. I’m talking about credit cards for college students. There is a reason why these can come in handy.
The moment you hear the words credit card, you probably assume debt, debt and oodles more debt. This is not exactly the case for college students. Ah ha, there really are some advantages to being a student. While credit cards are notorious for having utterly awful APRs, which are annual percentage rates; many credit cards for college students lack this burden. Yes, you can actually apply for a student credit card that doesn’t instruct you to fork out 18 percent every month.
Modern credit cards for college students are actually a great asset. You can literally spend money you don’t have and simply pay it back down the road, without having to grapple with interest rates. Enjoy this perk while it lasts, because it fails to exist in the adult world. Some sites you may benefit from checking out for student credit cards are creditcards.com, llegeboard.com and chase.com. Just be certain you read through all the fine print before applying for a specific credit card for college students. Sometimes credit card companies attempt to mask additional fees.
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Posted By admin , on
June 3, 2008 at 8:06 AM .
Category:
Credit Cards
There are many great aspects to Interest Free Credit Cards, which we will review carefully so that you may get the most from it.
We all await the day when debt will be magically erased from all our records. Some folks call it the coming of Christ, but I call it the coming of the debt-eraser. Okay, I’m clearly being absurd right now, but how awesome would this be? We’d all certainly call this individual a saint of some sort. I know I’d plaster his/her face across my living room wall in a 30/40 frame. At this point I’d even be satisfied if my credit card debt was banished. The relief would be immeasurable. Speaking of those little plastic devils, how much do you currently owe on yours? I swear these suckers should come with the numbers 666 written across the front. Just as a fair warning to all who wield them. Someone please bring on the interest free credit cards. The world would be a much happier place.
The other day I was Christmas shopping. After all, tis the season to be jolly, right? Well, how in the heck am I supposed to be jolly when I know that my credit card is going to charge me some ridiculous interest rate every month? Every time I whip the thing out, I cringe with a tentative twinkle in my eye. I hate to use the darn thing, but if you’re broke from paying bills, you hardly have 20 other options. It’s not like you can just dismiss the notion of buying presents for the loved ones. That wouldn’t go over so well. Of course if one had a few interest free credit cards, this wouldn’t be an issue at all. But, where in the world can you find these? Well, I’m glad you asked. You can indeed find interest free credit cards, but like always, there is commonly a catch. They’re generally interest free for balance transfers only, and this only lasts for a year from when you receive the card. So don’t plan on getting interest free credit cards that apply to purchases. Be sure to read the fine print on the back of each document/pitch you receive in the mail. The purchase interest rate is typically HIGH, and the cash-advance one is always worse.
To understand the next part of this article, you need to have a clear grasp of the material that has already been presented to you.
I just remembered the only time I encountered true interest free credit cards. It was back toward the beginning of college. I was offered a couple interest free credit cards with 0 APRs on purchases. They only had 250 dollar limits and if you exceeded the limit, your interest rate was atrocious. Other than that, these desirable credit cards cease to exist.
If we have failed to answer all of your questions about Interest Free Credit Cards, be sure to check into other resources on this interesting topic.
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