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Finding Good 0 APR Credit Card Offers
While most of us wish that we could find credit cards that only had 0% APR, they cant really exist because the credit card companies wouldnt make any money. However, if youre looking to save money with a lower interest rate, there are ways to find great deals on APR percentages.
Balance transfers
The trick with getting a 0% APR is to find a credit card that allows you to transfer other balances under that initial lower APR interest rate. While there is usually a time limit to these kinds of offers, they can help save you a lot of money in the long run. And if you think about it, these offers are much like getting the 0% APR on that other card, its just a matter of where you send the bill to.
Talking with the cards that you have
You might not know this, but if youre a good customer for your current credit card company, you may be able to ask for a limited 0% APR period as well. If youve been paying your bills on time and keeping a fairly low balance, many companies are willing to reduce or negate the interest rate for a while. They want your business, so theyre usually willing to give you a deal to keep you using their card.
Going online
There are many credit card company comparison sites that will allow you to see which card companies are offering 0% APR for the first year of use or for limited time periods. And while this isnt a permanent solution, you can see which cards are willing to take you on as a customer for a lower interest rate.
A word of caution
While its safe to say that youre aware of the fact that 0% APR periods can be short, you need to be certain that you understand what the card company defines as a period. In most cases, the first purchase starts the cycle of interest free credit balances, as opposed to the first billing cycle end.
Look to see what the interest rate will be when the trial period is over. If the interest jumps dramatically, you might be in for an unpleasant surprise if youre still carrying a balance. And the truth is that many of these credit card companies will increase their interest rates from 0% to 15% and even 24%.
Also realize that there might be restrictions in getting the 0% APR. If you make certain purchases or dont make a payment within a certain time, you might revoke your right to that lowered interest rate. Read the fine print.
Things Remember in Home Loans Australia
Owning a home is a big responsibility and it should not be taken for granted. A home is where everything starts and it would be best to maintain a home that empathizes with your capacity and gives you enough confidence in making it the dream that you have made into reality. But, before everything else, we come to a question where you could ask yourself, how will I acquire a home and am I capable enough to own one.
This is where home loans come in to help us to acquire own home. Every individual has the right to apply for a home loan but only if he/she is qualified to apply for home loan. Qualifications will vary according to what home loans provider may prefer but most likely, one of those would include your capacity to pay such a loan. Establish an evaluation of yourself by identifying or determining your sources of income and try to ask yourself if will it be enough to repay the loan you are applying for. Be sure to have a concrete answer to the question because it will also be the same inquiry that will be thrown back at you by the home loans provider when you are already on the phase of being interviewed.
Manage to gather similar answers to the question and support it with facts that about how well you will be able to keep up with repayments. After all those possible questions are answered, start on finding the right home loans provider and start doing some researches. Comparing home loans Australia would definitely be easier for you to do now that you already have determined your capacity to pay for such a loan. Loan offers will be a little bit competitive and in order for you to choose the best one, you have to consider the term of the loan, the kind of interest it would bear, the mode of payment, and of course, if ever possible, will it consider a bargain regarding any grace period for repayments if delayed for days.
Also try to make use of the advantages that comparison may bring because it is also a way of collecting different home loans offers and then eventually, selecting the best one. Always remember that Australia can give you a lot to think about but you can do away with it by setting things up and having your mind focused on the things that matter the most.