Are you an airline employee needing airline miles? And if yes, who is your credit card customer? Well, if you’re one of the hundreds or thousands of credit cardholders on the planet, why not just have a little fun with those little pieces of plastic? Well, in most cases the credit card issuer puts cards on your office table, places cards around your office, or offers a credit card at your door, all for you to plug into what you all should be good at. And just to add insult to injury’the credit card issuer does not keep a list of your business credit card holdings in case you do run into any problems. So just go online and set up automatic reminders with your handy notebook and you can quickly remind yourself and your family that you’re now a member of your family’s credit union.
What’s my current credit card status?
‘Your current credit card status’ your reminder is likely to help you remember ‘I’m currently on fixed low APR credit cards!’ if you choose ‘Talk to your credit card company’!’ If you’re already looking for lower interest credit cards, just search for ‘revolving credit card’ instead.
‘Interest rate on credit cards’ check the monthly rate on your new card based on the rate you’ve seen. You’ve probably seen or heard that your monthly credit card bill increases constantly; this is normal. This, by the way, is just the minimum due on your account.
You’ll also normally pay interest on the month you’re interested in your new card. Just go and make sure that you pay off the balances each month, because interest will always be on as well.
While this is most likely a useful credit card reminder to get the 0% interest rate on your cards in order to save you the trouble that come with that low interest rate, you may wish to take a look at the APR in order to get the most value from your card. Here’s what the APR look like for most of the smallest cards:
Average APR: This is simply the interest rate for balance transfers. You’ll probably notice that it is based on a somewhat higher APR than what you’re currently paying. If you’re able to payoff it on time, the rate for transfers should be very reasonable. However, if you’re getting a new card each month and you realize you only touch the balance each month for the first year, this APR may jump up even higher.
Current APR: This is just the overall APR you really want to be paying on your balance. This is simply your current average daily APR. At the best of the APR guide, you’ll want to do a thorough analysis and decide if it is the best either.
Current Balance: This is the amount your outstanding balance is due each month. Again, it’s based on the APR you are paying. If you’re using your card each month and you feel you’d really pay off the interest you’ve accrued, then it is certainly worth making a call to your creditor to see if the APR that you are using for balance transfers are one you’d really wanting to keep on hand.
Interest Rate: This is the interest rate you are about to receive from your credit card company. Again, this is based on your current average daily APR.
Interest, Interest, Interest…but remember: You want the highest possible interest rate! Do not treat it as if it does not exist at all. It is very possible that your current interest rate is just too high in the interim.
There will be times when you’ll still be paying interest on your credit card debt. This is mostly because your card issuer just has to notice that you’re interested and adjust how much of a hold rate tends to be. There may be times when you are actually paying less interest than you would even think you would be. There may also be times when the rates of the interests that you are charging are more favorable than they were in the original days you paid interest on your debt.
Don’t get sucked into a vicious cycle of credit card interest with each passing day. Start today, and you are all set to reap the benefits of the best possible rates of interest your already low interest credit card will save you this month.
How To Use Your Credit Card For The Best Deal
Do you have any hidden items that are hiding cheap credit card offers or hidden really cool deals on credit cards? The credit card is probably one of those hidden items that may surprise you. For example, maybe you don’t think to check the mail at all and you rarely check your mail.