Credit cards can be a useful tool in defining spending habits. When used properly the cards can provide a low cost way of accounting for regular purchases. However, there are times when credit spending can exceed our ability to repay in a timely manner. When this scenario occurs, it may be time to look into low interest rate credit cards.
Why Low Interest Rate Credit Cards?
If you find yourself in a position of paying only the minimum monthly payment then it may make sense to pursue a lower interest rate credit card. By investigating the use of a low interest credit card or cheap credit cards that are comparatively less expensive, you may find that your payment each month will accelerate debt retirement.
A Comparison
If you have excellent credit you might consider the Citi Platinum Select Card that features no annual fee and a 12 month 0% APR on both balance transfers as well as new purchases. By having a card that also offers 0% interest on new purchases, you will experience a greater overall savings during your first year as cardholder. The APR is adjusted to a regular ongoing APR after the first year but will not charge you an annual fee. This...
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