0% On Purchases Credit Card Offers
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Easy Tips
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Thursday, 19 July 2018
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Credit Tips
Most of the gas companies are doing their best to attract car owners to purchase their gas credit card from them. They are offering even up to 10% rebates upon 60 days of acquisition then will continue at a 5% rebate. Some gas credit cards will not be charging annual fees to their clients for a one year period. The clients are also entitled to make 9 purchases within that year without paying the required annual fee of ninety dollars on the next year.
It is also a great benefit for you to have a 0% APR on balance transfers. Other companies have online sites to make the application for gas credit cards easier and to satisfy the consumer's needs for an immediate and a quality service. Besides this advantage, they also offer a 6% rebate within a ninety days period which is very good to use for any gas purchases.
If ever the period expires, you would still enjoy a 1% rebate upon any purchase at grocery stores, clothing retailers, and restaurants. A 0% APR is also constant over a period of nine months. It is much better if you can obtain a gas credit card which is below 14% rates and will not charge you annual fees.
The company is also giving a waiving option to their clients. The annual fees can be waived into a minimum of 9 purchases within a period of one year. Always take into consideration every credit habits and needs when looking for the right gas credit card. Choose the features which are important to you the most.
It was mentioned earlier that rebates have different percentage offers depending on the gas companies you are applying for. Make sure that you understand the terms and conditions to avoid regrets in the end. Read fine prints carefully by focusing more on APR, annual fees, rates for various credit card transactions, and other fees involve. Compare the advantages of one gas credit card from the other cards in your lists. It is also advisable to double check the sources of your information.
You can visit local gas stations for verification if the gas credit card that you are planning to purchase is widely used and effective. Remember that you are going to invest your money to achieve your goal of attaining lower gas mileage. About The Author Mario Churchill is a freelance author and has written over 200 articles on various subjects.
A 0% APR credit card balance transfer offer seems like a great deal: You get to pay no interest on money you owe for 12 to 18 months. These offers can, in fact, be money-saving tools if you use them wisely. Thinking about what’s in it for the bank and credit card company before you sign up, however, can help you avoid making costly mistakes. Here's what you need to understand.
Credit card companies have several money-making reasons for offering to let customers transfer a balance from a competitor’s card and pay 0% interest on that balance for a year or longer. “Credit card companies offer 0% financing as a way to entice you to apply for their credit card,” says certified financial planner Colin Drake of Drake Wealth Management in Sausalito, Calif.
Then, they make money from the 3% interchange fees retailers pay on every purchase a consumer charges to a credit card, from balance transfer fees and from customers who don’t pay off the balance before the introductory period ends. “In most businesses, the cost of acquiring a new customer is high. Credit card companies are willing to pay that cost through advertising their 0% cards and then allowing you the free use of credit for a limited time period.
They’ve done all the research they need to realize that this will be money well spent and will lead to a very profitable customer for them,” Drake says. 30 in balance transfer fees. If the credit card has an annual fee, that’s another opportunity for the card issuer to make money when you transfer your balance.
See Credit Cards: Should You Ever Pay An Annual Fee, When you transfer a balance to get a 0% introductory rate for 12 months, you can’t just forget about the balance and let it sit there for a year. You have to make minimum payments before the due date every month.
If you don’t, you’ll lose the 0% rate; you also might have to pay a late fee for your missed payment. Consider scheduling automatic minimum monthly payments so you’ll never be late because of forgetfulness. Even with automatic payments in place, you should still set a calendar reminder to make sure each payment goes through before the due date.
You’ll also have to stay on top of your checking account balance to make sure there’s always enough money to cover the automatic payment. Once a bank has you as a credit card customer, it might be able to get your business in other ways. You might open a personal checking account for which you pay a monthly fee. You might move your savings to that bank, where it earns little interest for you as the bank lends it out at a higher rate.
You might take out an auto loan when you need a new car and pay 6% interest on it for five years. You might even take out a mortgage through that bank and send it interest payments for the next 30 years. Then, when you want to remodel your bathroom, you might take out a home equity line of credit with that bank. Later, you might open another credit card and rack up a balance on which you have to pay interest. Are You a Revolver or a Transactor,