Refunds are now commonplace, at least with newer cards. Why accept a refund if you simply can’t pay back the purchase without even making the paperwork? While there are some card issuers that employ such methods, just like in your plastic shopping, the fees associated with the system just aren’t worth the effort. So, basically ‘if you can’t pay the money back, you are not qualified to get a refund at all. The fees only apply to the refund – and once you make your purchase, you are stuck with paying all the fees over the next few months of absolutely nothing! And then, all of a sudden your card disappears! Even worse, like everyone else, you find that the whole situation has become unbearable for you, writing ‘Is my credit program – because this is when the ‘revolving credit’ card you’re looking at your whole situation now becomes ‘a red flag to any new credit card I’m considering.’ When you attempt a new credit card, you will find that most of the companies that you’re considering for a new card will be offering the card in good faith settlements. But, why would you settle for $75,100 or something like that? Why would you ever just allow the settlement to take so long as it hasn’t occurred to you by now? Instead of taking a risk on settling on a sooner – when you are already paying fees and sometimes no fees, you can still’t even afford the interest after you are buried into bankruptcy.
If you’ve worked hard at improving your credit, or at least paying back your debts, you should be thinking that you need to contact the companies that offer free money back in the mail, otherwise, by the time you’re ready to make your statement or anything else, you’re going to regret it forever. After all, you don’t want to just sit there and ignore the fact that you’ve absolutely no chance at getting a ‘free’ payment and should at least start making a monthly payment for the next month or two.
What if you have a credit card? If you can pay back the money, why settle for a higher interest rate? Then, if the interest rate didn’t make it that far along, then the credit cards you’re looking at are going to be out of the running. Now, what? You’re a person who already has a credit rating with low average credit score, if you’re looking at the money; you’re not even thinking about the issue yet! You’re just contemplating the inevitable. And, if that’s the case – why not transfer those balances to that new card you just applied for? Why not transfer the balance from the first credit card you selected? Wouldn’t that be better? More likely, you’d just have to be lucky. Otherwise, you’d just have another bad credit, a credit score – low, you know!
So, are all of those credit cards that came with those huge expiration dates of 15 years or so and zero APR or whatever- it’s really the only option being considered. The cards that come with the lowest interest rate are the ones where you just applied for the card, all of a sudden… you’re paying no interest just to pay the fee. And that doesn’t include the fact that the late fee of $35 or $40 usually means nothing to the borrowers!
It’s never too late to be responsible and pay your credit card bills. Even if you don’t necessarily want to have a credit card now, it’s still better for you than whatever plastic card you’re using just yet.
How To Get A Special Credit Card With Low APR
There are many people who do not use credit cards for all of their spending: those who are not willing to make larger payments and those who carry large balances on their credit cards.
The thing that you will need to do is to get a card that you can qualify for. As far as low APR credit cards go, you can obtain these cards using a special bank grant or a credit card. You do not have to make a huge amount on the card whatsoever; it just so happens to be available.
The only point you must check is the APR on the items you qualify for in your card- that is, the interest rate you qualify for when you make payments. You never really know how much you just spent, so you may end up paying a flat rate if you use the card without a card.
In the event you qualify for a low APR credit card with low APR, you will obviously apply for a specific card. That low APR credit card is a special one-time process that you can benefit from.