Tag Archives: account
4 Things the Best Balance Transfer Credit Cards Have in Common
Anyone who has ever dealt with balance transfer credit cards knows that some of them tend to outshine the others. In fact, the difference between one balance transfer credit card and another can be like the difference between night and day.
So how do you determine which balance transfer credit cards are the good ones and which aren’t? By looking for these four telltale signs.
1. A Low Interest Rate
Almost all balance transfer credit cards have a low interest rate when you sign up for the card, but the best balance transfer credit cards have interest rates that stay low.
Oftentimes consumers jump at the chance to transfer their credit card balances to a card with a impressively-low interest rate, not realizing that the rate jumps up after six months or so. If you do this, once the introductory period ends, you may be in worse shape than you were before.
If you have a $3,000 balance on your credit card and you’re paying 16.99 percent, it can be tempting to search for balance transfer credit cards with a 0-percent introductory rate. But ask yourself — what is the interest rate going to be when that 0-percent period is over? If it’s higher than 16.99 percent, do you really want to transfer your balance to that card?
Instead of worrying about a low-interest introductory period, look for balance transfer credit cards that offer a low interest rate for the long term.
2. Whatever Happened to Grace?
Do you remember the good old days? Back when a 30-day grace period was the norm? Those days are long gone. Nowadays you’re lucky if you get a 20-day grace period and some credit cards aren’t offering grace periods at all.
Interest isn’t the only thing you should concern yourself with when looking at balance transfer credit cards. Make sure that the credit card you apply for has a grace period of no less than 20 days.
3. They Want You To Pay What?
With balance transfer credit cards competing so hard for business, you’d think they’d be willing to bend over backwards to get your account. Not so…
Surprisingly enough, many balance transfer credit cards charge a balance transfer fee to transfer your debt. Usually the fee is calculated as a percentage of the balance being transfered and, depending on how high your balance is, that fee can amount to quite the pretty penny.
Do yourself a favor — only apply for balance transfer credit cards that don’t charge a balance transfer fee. Regardless of what the other credit card companies want you to think, they ARE out there.
4. The Importance of Online Access
Most credit card companies offer online account access nowadays, but the scope of that online access and what is required to get it often differs. Some balance transfer credit cards make you pay for online account access and others charge you a fee to make payments online.
Before applying for balance transfer credit cards, make sure that the cards you are interested in offer free online account access and don’t make you pay for the privilege of online payments.
With credit card debt becoming the norm and so many companies offering balance transfer solutions, it’s important that you find the credit card that fits you perfectly. Don’t settle for just any old balance transfer card. Pay close attention to the above four tips to find the best balance transfer credit cards on the market.
Cash advance with no checking account: Easily get funds
Do you have limited income source? Tensed with uninvited arrival of emergency? Have several urgent requirements to fulfill? Need an instant financial relief? Want to avail a loan but facing stress due to not having any credit checking account? Now your financial strains can be easily sorted out by taking help from the most feasible financial service of cash advance with no checking account. This is a brilliant short term financial plan which can be best to avail at the time of emergency and when you dont hold any credit checking account.
The Checking Account Payday Loans allow you to procure instant cash advance with no checking account, which enables you to encounter all your fiscal needs and desires without any delays. There are some requirements which need to be fulfilled by you for the approval of cash advance with no checking account. For this you need to be 18 years of age or more, having an active valid bank account and a regular employment in a reputed firm with earning at least £1000 per month.
This loan scheme allows you to grab small financial assistance ranging from £100- £1500, as per your income, needs and repaying potential. The loan amount has to be repaid within 14 to 31 days. This loan carries slightly higher interest rates, because of its short term financial nature. By doing a thorough online research you will be able to fetch best loan deal at pocket friendly rates, with better terms and conditions.
The amount attained through this loan can be utilized to fulfill various small urgent needs such as:
-Pay out unpredicted medical expense -Meeting household bills -Car repair charges etc.
The financial assistance of No Checking Account Payday Loans doesnt follow any hassles of credit checking, faxing and extensive paperwork. Hence, lenders take less time in approving this cash advance with no checking account loan service and also you will get funds within few hours directly in your account.