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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.
Credit Cards Tips
Theft of your credit card is definitely a very unpleasant experience. To avoid this, we offer you some pieces of advice. Study these carefully, and follow them when you are going to travel using your credit card.
1. To lower the possibility of theft, first of all, we strongly recommend you to take only necessary plastics with you, leaving at home those which you do not need. Be watchful. While queuing on, pay special attention to those people near you, especially those who are using mobile phones with cameras. Having ended the operation put the check into your wallet, do not throw it out.
Trying to reduce the chance of becoming a victim of a credit card fraud, a lot of savvy credit card holders refuse to sign the back of their credit cards. Some customers leave the signature line blank, while others write "see ID". They think that it will prevent the unauthorized use of their credit cards because the criminals won't be able to show identifying documents or falsify their signature without an example. However, this practice is controversial. Let's explore its pros and cons and decide if it is worthy or not to sign the back of your credit cards.
Credit cards are a convenient financial tool letting you make purchases, book a hotel or rent an apartment. However, you cannot expect to get plastics as a matter of course. You need to submit an application and get approved. And just as you would doubt to lend money to a stranger, financial organizations won't grant you credit without knowing that you are a trustful and reliable borrower. Some years ago banks called each lender people stated on their application form before making a decision. Nowadays, they check credit reports. That's why it is important to know what data they contain.