|
  No Fee Cards
- Card for credit that Needs Some Improvement.
- 0% Intro APR on Purchases until October 2008.
- No Annual Fee.
|
- Card for people with Excellent Credit.
- 13.9% APR on purchases and balance transfers.
- No Annual Fee.
|
- 0% Intro APR for up to 12 months.
- No Annual Fee.
- Free Online Account Access.
|
- Card for people with Above Average Credit.
- 12.9% APR on purchases and balance transfers.
- No Annual Fee.
|
- 0% Intro APR on Purchases for 15 months!
- 4.99% APR on Balance Transfers.
- No Annual Fee.
|
- 0% Intro APR.*
- No Annual Fee.
- 5% Cashback Bonus®.**
|
 |
Apply Online for No Fee Cards
Borrowing money from a bank with no annual fee and at reasonable rates may seem fantastic. At first glance. But first impressions are often misleading. Find here in what ways.
Many credit cards nowadays come without an annual fee. But before banks introduced no fee deals, many customers resented the credit card fee they had to pay only to use their card.
Now banks are gradually eliminating it. Fee free cards are viewed by card holders as an attractive marketing incentive. Although this doesn't mean these cards have no fees at all. That is why before making online credit card application read the terms and conditions carefully.
If by mistake you did not pay off your balance in full, you will be charged a fee. Then, if you go on a spending spree and overspend, you will pay over-the-limit fee. If you calculate all the fees, you will see that they more than make up for the annual fee.
This means you have to be very disciplined if you wish to have a really fee free card. Moreover, paying the bills responsibly will be good for your credit history.
Well, if you come across a beneficial no fee card offer first read the agreement to find out any additional features. Why do people choose to apply for credit cards with no annual fee? What are the perks?
1. No fee credit cards are very good for emergencies. If you need to make an expensive purchase right now, or you just wish to have a handy source of credit, no fee cards are for you.
2. In general, if you use your plastic only to shop and you are not interested in getting rewards, this is the best opportunity to save your money.
3. It is interesting to note that fee free cards have not only benefits. There are some pitfalls as well. Generally, it depends on the situation and the individual. For example some pay large annual fees but travel a lot. And finally, mileage rewards make up for the cost of the fee. So, in the result you will be able to take all your family on a holiday and the tickets will be free.
Not everyone qualifies for such cards. If you have bad credit history, your chances to get a fee free card are nil. Nevertheless, this is a privilege worth fighting for.
|
|
News About Credit Cards
Keep up with the latest news of ApplyFast.com! Read the news below or see the extensive news list giving curious facts happened in the credit sphere not long ago.
Increased Credit Card Use
(06:01:42 AM Thursday, May 15, 2008)
Even though the days of easy credit are long gone, the statistics show that Americans are more actively spending money on their plastics than before. Some people use them to make large purchases; others consider plastics as the main source of getting money for everyday necessities. According to the Federal Reserve, the credit card debt rose to 6.7% in the first quarter of 2008. Now it amounts to $957.2 billion.
Credit Card Fines Payment
(03:21:57 AM Thursday, May 8, 2008)
Nowadays you can hardly find a location where credit cards are not accepted. You can pay with your plastic at shopping malls and gas stations, book airlines tickets or rent a car. The number of institutions accepting credit cards is increasing. Now you can use your MasterCard, American Express, Visa and Discover plastics at sheriff's offices in California. They have started to accept credit card payments for traffic tickets.
Got so many questions about credit cards? Or, there are a couple of things you have lost of sight? Consult our Q&A Online Session, resolve your doubts! Our managers are ready to answer you on weekdays. The service is ready to accept your questions 24/7 every day!
|
Credit Cards Tips
|
Business Credit Cards with Rewards
Business credit cards are a real helping hand for business owners. They allow users to establish business capital, build up the image and add credibility to the name of their company, separate business finances from personal ones and make bookkeeping tasks a lot easier to handle. Many customers value business credit cards for their extremely beneficial rewards programs. Typically, they provide more cash rebates or points rewards than credit cards for consumers and students. You can make the most out of your rewards program if you choose a credit card that matches your kind of business.
|
Prepaid Credit Cards
People with no or bad credit history have a limited choice of credit offers: they can apply for unsecured cards for bad/no credit, secured cards or prepaid credit cards. Two last categories require funds to be deposited before using the plastics. The main difference is in the usage of those funds. Secured credit card deposit will be used to cover your debt if you fail to pay your credit bills. Prepaid credit card deposit will be used as your credit line. But if you pay with your own money, is a prepaid credit card really credit?
|
Credit Cards after Bankruptcy
Bankruptcy leaves a black mark on your credit score. Your level of credit risk dramatically goes up in creditors' eyes. Fortunately, the effect doesn't last forever. Filing for Chapter 7 or Chapter 13 bankruptcy will affect your credit rating for up to 10 years. Long before the bankruptcy is removed off your credit report, you can qualify for credit cards with good rates and moderate fees. Certainly, a lot will depend on your specific situation, for example the level of income or age of bankruptcy. But you can take measures to improve your credit rating.
|
Using Credit Cards Overseas
Having your plastic handy on holiday in foreign countries is a good idea. They can give you lots of freedom and peace of mind due to many reasons. You will be able not to carry lots of cash with you and therefore avoid robbery. You will have sufficient funds in case of an emergency. Many businesses, for example car rentals or hotels require a credit card to leave a deposit. So having a plastic in your wallet will be convenient and beneficial. However, there some pitfalls you should know about. Taking necessary precautions before you leave will help you ensure trouble-free holidays abroad.
|
|
Comments (0)
|
Comments (1)
|
Comments (2)
|
Comments (1)
|
Copyright © 2007-. ApplyFast.com. All Rights Reserved.
| |
* 0% Intro APR* on Purchases and Balance Transfers.
** 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more.