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Discover The Credit Card Insider Secrets To Pay

Less Interest And Get More Credit!

Dear Friends,

Have you received credit card offers that read much like this "very low introductory interest% for a year"? (You might just find one in the mail today.)  Lately it seems as if credit card companies are tripping over each other to give you the best rates on credit cards and balance transfer offers. Why? Banks offer a great rate for new purchases and/or balance transfers for a few months, then move that rate back up hoping you’ll let your debt ride with the higher rate.

If you carry a lot of debt, it just makes sense to try to find a way to lessen your finance charges. Transferring balances from one card to another to take advantage of low introductory rates can result in significant interest savings, as does financing purchases with low introductory purchase rates. There are currently several balance transfer offers available touting even 0% interest for one year. So great! take that offer and save money by paying lower interest on your debt.

What could possibly go wrong? You could wind up paying more in interest charges than you bargained for if you don’t proceed with caution and a little wisdom. It takes a little work, but with some organization you can win this game and reap all the benefits.

A few tips on making the best of these offers.

1. Read the Fine Print

What should you look for? We’re talking about offers that have low-interest introductory periods. Find out what the introductory rate is, how long it lasts, if the rate increases after the intro period and if so, what is it? Is there a fee for a balance transfer?

2. Take the Calculator and Do the Math

Place any fees and charges into your equation. There are many credit calculators available online to help you with the math.  If the numbers show that you won’t benefit (save much money), than it’s probably not worth the effort.

3. Compare the Offers

When you get an offer in the mail, write down the fee and rate information and then go shopping. Many introductory offers are only made by mail, so don’t be so quick to trash those envelopes that are obviously credit card offers.  There are some gems; including offers that have no expiration date meaning that the offer remains in effect until you pay the balance in full.

4. Track your Money

Be aware of your money output.  Know which cards hold which rates, and when dealing with introductory offers, mark your calendar with the offer beginning and ending dates. Then you can guard against a higher interest rate by either paying off your debt before the intro period ends or by transferring the balance again.

5. NEVER ever make a late payment

Never! Not only will this affect your overall credit history, but one late payment can raise your low-interest rate to exorbitant levels before the introductory period ends! (By the way, that little detail was included in the fine print that you should have read when you signed up for the card. Remember Rule #1?)

So don’t be afraid to give low-interest rate offers a second look. Just remember that it takes some organization and discipline to reap the greatest benefits. If you want a credit card with a low interest rate, we can help you find one from amongst the hundreds on the market. Please visit our following Card Offers.

A. LOW RATE CREDIT CARD OFFERS

1. There are thousands of credit card options available over here. When you apply for a credit card, it will take you to a secured website so that your information remains confidential!

2. If you have good credit rating, then this is the place to check out.

 3. If you have very good credit rating, here is the real place to go. Decide if you want visa or master card.

 4. Another good card which provides guaranteed approval

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At InstantCreditCardSolutions.com we continuously monitor the credit card market in order to bring you the best credit cards, reviews and credit card offers available online. Once you have found the card that is best for you, you can fill out an online credit card application and in some cases even get a credit decision within 60 seconds.

At InstantCreditCardSolutions.com our goal is to provide a resource where YOU can educate yourself, search and compare the Options. Then apply for the best credit card offers online at credit.com.

Wishing you a very happy & successful credit card hunting,

InstantCreditCardSolutions.com team

Our Mission: To provide free or 'value for money' credit-related and money management information to our visitors and subscribers.

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