Chase’s Ink Cash credit card is rated among the top business credit cards available to business owners. The card offers $250 cash back bonus during the first three months of ownership. In addition, Ink Cash by Chase provides 5 percent cash back on popular purchase types and 0 percent APR interest for the first six months. A business owner can also obtain free additional cards for his/her employees in order to rack up cash back benefits even faster. Cards such as the Ink Classic Business by Chase offer similar benefits such as no annual fee and 0 percent introductory APR, but none of them have the same number of benefits as the Ink Cash card.

There are many reasons why business owners should apply for an Ink Cash business card. Some of these reasons include:

• Rebates in the form of cold hard cash
• Easy-to-follow bonus points system for keeping track of rewards
• No limit – you earn unlimited cash back and rewards points
• 5 percent cash back rebates on office supplies and telecom services
• No expiration on cash back rewards

Business owners should make sure they are wary of the cons of owning the Ink Cash business card as well. The pros of the card do outweigh the cons, but here are some of the pitfalls of the card:

• After 0 percent intro APR, interest becomes 13.24 percent
• Excellent credit score between 750-850 is required to get approval

Being aware of all the business credit card’s features will allow smarter decisions to be made with the card. However, the number of benefits and the quality of benefits that the Ink Cash business card offers makes it an easy choice when deciding between business credit cards. The point rewards system is easier to follow than most credit cards, and the system offers higher rewards than other cards.

Chase’s Ink Cash card rewards system allows points to be redeemed for rebate checks. The cash awarded from rewards allows owners to spend their rebate money however they want with no strings attached. Few business credit cards offer rewards that can be spent as cash on any purchase. With the Ink Cash card, 1 point generally equals 1 cent, so if a user racks up 5,000 reward points, a reward check of $50 may be redeemed. The rewards points will rack up fast with the reward system because of the generous rebate percentages offered on various purchases.

All purchases made using the Chase Ink Cash business cards are rewarded at least 1 percent. Having every purchase counted toward cash back rewards means that cash rebates will build up very quickly. With many purchases giving 2 percent or even 5 percent cash back rewards, this card will enable owners to get more money back than any other business card. The freedom to be rewarded for any purchase makes the Ink Cash card one of the most convenient and user-friendly business credit cards available.

Another useful feature of owning the Ink Cash business card is to issue additional cards for employees. Money that employees spend using the authorized Ink cards can be used as rewards points for the employer’s card, and spending limits can be set for each employee card. Having spending limits prevents employees from spending too much and allows business owners to keep track of their rewards much more easily. In addition, Chase offers early fraud detection alerts via text message or email that can inform business owners of potential fraud regarding their employee cards.

If any fraudulent purchases are made by unauthorized users, the card holder/owner will not have to pay anything. Top notch security means that owners of the Ink Cash business card can have peace of mind knowing they will never have to worry about having credit records or bank accounts ruined by potential would-be thieves. Chase offers this great security because they understand that business credit card owners need the best security to keep their businesses running smoothly and safely.

Chase gives new card holders higher sign-up bonuses than many other credit card companies. Having a card like Ink Cash that offers great benefits from the start that continues during ownership means the owner is always given something in return for using the card. Users never need to worry about fraud or unexpected employee charges, and having no expiration on rewards means users can request reward checks whenever they want. The Ink Cash business card will certainly allow any business to enjoy success by making purchases easy and rewarding.

Easy To Get

Sometimes it’s difficult for college students to get a credit card since they have little or no credit history. The Discover Student Card is quite easy to obtain since the company realizes that college students are in a unique situation. Only a Fair credit score, 620-659, is needed to be approved, unlike others which require a Good or Excellent rating. The application process is simple and applicants get a response within minutes of submitting their application.

No Annual Fee

There’s no fee for having and using this credit card. Cardholders can add additional users, each with their own card, with no fee.

Introductory 0% APR

For the first six months, cardholders can take advantage of a 0% interest rate. After that time, the interest rate will vary based on the user’s credit score. The standard APR will be between 13.99% and 20.99%. For students who will be making large purchases such as computers, dorm furnishings and books, this is a good way to be able to finance these purchases for free for the first six months.

$25 Bonus

After making your first purchase within the first three months of having the card, students can get a $25 cash award.

Up to 20% Cash Back at Select Retailers

Discover has partnered with over 150 retailers and offers cash back bonuses of 5%-20% when you shop through ShopDiscover, their online market place.

5% Cash Back In Select Categories

Each quarter, cardholders can enroll in a program which nets them 5% cash back when they make purchases in specified categories. The rotating categories include gas stations, department stores, restaurants, and movies. Card holders must apply to the free program each quarter in order to benefit from the additional rewards.

Up To 1% Cash Back

For all purchases, cardholders are eligible to earn up to 1% cash back. The first $3000 spent each year will receive 0.25% cash back and all purchases made after the card holder spends $3000 will earn a full 1% reward. There is no limit to the amount of cash back you can receive in this way, so wise credit card holders can put all of their purchases on their Discover Student Card to take advantage of this free money.

No Liability

There’s $0 fraud liability on the card, so if it’s lost or stolen, the card holder isn’t responsible for purchases put on the card. Users can also set up mobile and email fraud alerts for further protection.

Great Rewards That Never Expire

Once you’ve accumulated at least $20 in awards, you can redeem them for merchandise, gift cards or cash. You can even redeem the cash as a credit to your account, meaning that your next statement would show you owing less than you purchased. If you choose the cash back option, to your credit card or bank account, you’ll need to have at least $50 in rewards. Redeeming gift cards from other merchants can be done with a minimum or $20, depending on the retailer, and there are often options where you can get a $45 gift card for only $40 worth of rewards. Best of all, your rewards will never expire!

More than 100 Card Designs

Let your personality show through by the design that is on your card! Instead of holding the same card that everyone else has, why not pick the color that best fit your personality and taste? Whether you like simple graphic, nature, pets, or sports, there is always a design you would love. You can simply log into your account and select a design for yourself or anyone on your account. In case you are tired of the current card design you can always change it for free.

Make The Most of Your Credit Card

You might enter into a career field where you need a security clearance, part of which is based on a good credit score. Additionally insurance companies charge lower premiums to people with excellent credit, many landlords check credit scores and when going to get a loan for a car or home, a good credit score will result in a low interest rate. In order to build and maintain a high score, students should start using their card early, pay it off on time each month and never max it out. Also, they should never close out their first credit card as it determines the length of their credit history, which plays a role in their credit score.

There are many credit card choices for college students with similar features. The Citi Forward Card for students has similar features, application criteria and bonuses, called ThankYou points. Get started building a great credit score and earning useful rewards by applying for the Discover Student Card today. The application process is simple and you’ll get a response in just 60 seconds.

There are five top reasons why a person should apply for an Orchard Bank Classic MasterCard. To start the list, the main reason a person should apply for the Orchard Bank MasterCard is that almost anyone qualifies. Applicants can have bad credit or no credit and can use the card to build or rebuild credit. Another reason to apply for an Orchard Bank Classic Card is that the company reports to the three major credit bureaus, which means that making on time payments on a consistent basis your credit score will be adequately rated in a favorable manner.

Additionally, the Orchard Bank MasterCard has a low APR. A card with a low interest rate is an excellent reason to apply for one. The lower the interest rate, the more money a person saves over time. It is always best when a cardholder uses his card throughout the month and pays the monthly statement in full, each month. However, there are times when a cardholder cannot pay the balance in full each month and when that happens, the interest rate kicks in and the cardholder begins paying interest on the purchases used to up the balance of the card. A person that makes a $500 purchase and pays it off in full the first month pays $500. The person that buys a $500 item and pays the minimum balance each month will pay interest on that purchase and each month that the balance is not paid, that $500 item becomes more and more expensive. The lower the interest rate the lower the additional fees you will pay over time.

A fourth reason for applying for a Orchard Bank credit card is because it offers the ability to transfer balances for a low rate. Balance transfer is the term used to describe the transfer of a credit card balance from another card with a higher interest rate to a new card. The Orchard Bank Classic MasterCard allows cardholders to transfer balances for a 14.99% interest rate, which saves a significant amount of money over higher interest rate cards that charge 25% or more.

Finally, rounding out the top five reasons to apply for an Orchard Bank MasterCard is the fact that there is no annual fee the first year you are a cardholder. Many credit card companies require cardholders pay an annual fee but do not give them the first year’s fee for free. Other cards, such as the Bank of America MasterCard or the Capital One MasterCard offer the same type of lower interest rates and the same annual fee but they do not waive the first year annual fee and they do not offer cards to those with bad or no credit, making the Orchard Bank Classic MasterCard the best one for those trying to build or rebuild their credit.

All good things come with flaws and with that said, the Orchard Bank MasterCard is not perfect; it does have a few drawbacks. The first is that it does not offer a grace period, meaning if your payment is due on the 10th and you make your payment at 12:01 am on the 11th you will be charged a $30 late fee and your late payment will be reported to the three major credit bureaus.

Also, the Orchard Bank MasterCard comes with an annual fee. Many cards have an annual fee and many do not. While the Orchard Bank MasterCard does waive the first year’s fee for new cardholders the fee for each year thereafter is $59, which is significantly higher than other credit card annual fees.

Lastly, once you make just one late payment your interest rate is hiked for good. You will go from paying 14.99 percent interest to paying 29.99 percent interest immediately. You need only make one late payment, even if it is late by only a few minutes or one day to lose your low interest rate and pay substantially on balances from that point on.

Even with its drawbacks, the reasons that you should apply for this card far outweigh the reasons you should not. The Orchard Bank Classic MasterCards available to applicants will help to rebuild poor credit and to build good credit for those that have no credit. Apply today to get started building or rebuilding your credit.

2% Rewards on All Purchases

With many rewards cards, you receive promises of 2% cash back equivalent on various kinds of purchases, but very few cards offer 2% rewards on all purchases. The Venture Rewards card is one that does. Not only that, it’s the only Visa card available that offers 2% rewards on all purchases. Other cards, like American Express and Discover, give you 2% on all purchases, but these cards are accepted in much fewer places and don’t carry as many benefits as the Venture Rewards Visa does. 2 miles per dollar spent is a great rate, and you can rack up miles at lightning speed with this card.

No Hassle Miles are the Best You Can Earn

Other companies have miles policies that sound great, but fall flat once you try to actually use the miles you’ve accumulated. You may not be able to credit the miles towards airline fees, get stuck with blackout dates, or find yourself unable to use your miles after an unexpected expiration. Capital One’s No Hassle Miles circumvent all these problems. You can credit your miles towards any travel expense – plane tickets, hotels, car rentals, gas, and more. You’re free to redeem them on any airline and at any hotel, without regard to date, so there’s no worrying about whether your trip will be blacked out. And the miles never expire, so once you’ve earned them, they’re yours for life. The redemption rate is 1 cent per mile, and if you’re redeeming over 15,000 miles at once, you can redeem them in odd amounts as well – a perk not offered by many other cards.

Great Initial Rewards

The Venture Rewards Card also has the benefit of giving you 10,000 free No Hassle Miles if you spend $1,000 in the first three months you have the card. This isn’t difficult to do, which makes this offer from Capital One you shouldn’t pass up.

Low Fee Rates and No Foreign Fees

Other credit cards are notorious for their foreign transaction fees, usually around 3%. This causes many people to avoid using their cards overseas. The Venture Rewards Card does not charge any foreign transaction fees, which can mean huge savings for you if you do a lot of traveling. And even if you don’t spend a lot overseas, there’s no annual fee for the first year you have the card, and the annual fee for each year thereafter is just $59. The standard APR is between 10.9% and 16.9% – a good rate for a card of this caliber and about as good as you’ll get for any 2% rewards card.

Visa’s 24 Hour Concierge Service

The Venture Rewards Card is the only 2% rewards card that comes with Visa’s Signature Concierge service. With this service, you can get assistance 24/7 from anywhere in the world, for just about anything you need. The Concierge service can recommend you restaurants and activities in your area, help you get reservations for events like sports games and concerts, and even assist you if you get lost or need directions. If you’re traveling for business, Visa Signature Concierge also offers business help such as printing and finding your way around conferences.

Great Insurance Coverage for All Your Needs

Emergencies don’t have to be a big deal with Capital One Venture Rewards. It comes with tons of insurance, so no matter what happens, you’re protected. You get 24 hour roadside assistance in the event of a breakdown, wrong turn, lockout, or accident. 24 hour travel assistance is also provided, so if you lose your card or it gets stolen while you’re abroad, you can get an emergency card and cash advance right away. You’ll also get free extended warranties on certain purchases, and free travel and car rental insurance when you pay with the card. There’s also $0 fraud liability, so you’re not responsible for any unauthorized charges made with your card.

Overall, the card stacks up very well against other cards like it, such as the Discover Escape card and the Fidelity American Express card. But when it comes to rewards, safety, and the best value for your time and money, the Capital One Venture Rewards Credit Card comes out ahead. It’s one of the best travel rewards cards available, and is perfect for those who love free and discounted travel with great benefits.

How It Works

The American Express Blue Cash Everyday is a credit card that returns a prescribed percentage of specific types of purchases to the customer. Cash rewards are not automatic, but have to be requested. Cash rewards are awarded in the form of “Reward Dollars” that the customer can redeem for cash, gift cards or merchandise. Unlike other cash reward cards, this one has no cap on the amount of Reward Dollars that any specific customer can earn. Chase and Capital One cash-back cards have been available for some time, and it appears that Amex is focused on providing the greatest value of all cash-back cards.

The card pays varying amounts in rewards. It pays its highest percentages on purchases made at locations that typically sell everyday items. This is in stark contrast to other cash reward cards that pay higher rates of rewards on occasional or big – ticket items. This card pays:

• 3% at supermarkets
• 2% at gas stations and department stores
• 1% at other types of retailers

Another benefit is that American Express welcomes new users by offering a $100 reward when the new account holder spends $1,000 in eligible purchases during the first three months that s/he holds the card. There is no annual fee, so the value of the initial Reward Dollars is not diminished either by an annual fee or a usage fee.

Pros and Cons

The current version of the card must not be confused with its predecessor. Originally, customers earned 5% on everyday purchases and 1.25% on other types of purchases, but only after spending $6,500 using the card within the calendar year. Customers complained that the spending threshold was far too high. American Express responded by eliminating the spending threshold entirely. What this means for customers is that they can begin earning cash rewards from the beginning, and earn those rewards on every purchase they make using the card.

Another advantage of this card is that there is no cap on the number of Reward Dollars that customers can earn. This is in stark contrast to most other cash – back cards, which limit the monetary value of cash rewards available to any single customer in a calendar year. This is not the case with this card. There is no limit to the number of Reward Dollars that any customer can earn by using the card.

The interest rate on this card can be seen as a “pro” by many users, but as a “con” by others. There is no interest at all for the first twelve months, but after that, the interest rate will be either 17.24%, 20.24% or 22.24%, depending on the customer’s credit history. How this is an advantage is that the only way the card can be valuable is if the customer pays off the full balance each month. Otherwise, any rewards accumulated will be decimated by the high interest rates. The high interest is an advantage in that encourages payment of the full balance each month.

The only potential con that surfaced from research for this American Express Blue Cash Everyday review is the generic caution about the use of credit cards in general. Using any card for most purchases and even using it to pay other bills can be dangerous for irresponsible borrowers. Amex is unlikely to extend credit to those with such a history, but card customers do need to remain aware of what they are spending between statements.

Why to Apply

There are not many reasons to apply for most standard credit cards, but this one offers many:

• No annual fee
• No interest for twelve months
• No additional charges for additional account users or their cards
• Highest rewards paid on life’s most common purchases and needs
• No minimum purchase thresholds
• Flexible payments that allow payment over time
• Use the card to make automatic payments, earning Reward Dollars even on bills not originating with Blue Cash Everyday
• Discounts at several retailers, including Hertz and 1-800-FLOWERS.com
• Free $25 Flemings card when paying a bill of at least $100 at Flemings using the card
• Travel accident insurance included
• Car rental loss and damage insurance coverage
• Accident insurance for card holder and family members
• Unlimited cash rewards potential
• Accrued Reward Dollars never expire

The bottom line is that Blue Cash Everyday from American Express is an excellent credit card program overall, and it appears to be the best cash back card available for those with superlative credit.

Secured credit cards to rebuild credit work like other credit cards with one exception – customers must secure the credit limit with a bank account, which they cannot access until the card is cancelled or the secured restrictions are dropped by the credit card vendor. Individuals can deposit from $200—$3000 to cover various credit limits. The bank account cannot be touched, but otherwise the credit card works just like unsecured cards. Consumers can use these cards to order online, pay bills, get cash advances, and use anywhere credit cards are accepted.

People with no credit history or poor credit can build credit and improve their score with the three major credit-reporting agencies. All that is required to improve credit score is to use the card and pay the bill on time each month. Keeping balances low also provides significant improvement in credit scores. Many people choose to use a credit card for all purchases and pay the bill off when it comes due to avoid interest rates. Following this approach will substantially increase credit scores over time. Eventually, the secured credit card lender will lift restrictions, or consumers will qualify for credit from other providers.

Top Five Reasons to Apply for a Secured Credit Card

There are many reasons why consumers stand to benefit by obtaining secured credit cards with no annual fee. The top five reasons are as follows.

1. When making hotel and plane reservations for travel, a credit card is needed. Even people who plan to pay cash must provide a valid card number to secure the reservation. Travelers do not need to find a friend or family member to guarantee their tickets or reservation, which can be an embarrassing situation.

2. Using a credit card builds a credit history that can help consumers obtain a car loan or home mortgage. The better a credit score, the lower the interest rate for these long-term loans will be. Even a point or two can make a significant difference in the terms of large loans, and consumers should utilize all available resources to reduce interest rates. When applying for loans or credit cards, consumers should cluster applications within a two-week period. Credit requests can lower credit scores, but multiple requests within a short time period will not negatively impact a credit rating.

3. Consumers can utilize a secured credit card to order online for convenience. More shoppers buy goods and services directly online, and a credit card is necessary to pay for these products. When poor credit customers obtain a card, they have immediate access to all the products the web has to offer.

4. Customers can use their secured cards to pay recurring bills. With a valid card, customers can schedule automatic bill payments or pay manually each month. This option saves time and money, removing the necessity of mailing payments or making them in person.

5. Consumers need a credit card to rent a car. If a car breaks down or is damaged in an accident, people without credit cards cannot rent a car. Secured cards allow consumers the option of renting a car locally or at any travel destination around the world.

Shopping for the Best Secured Credit Card Offers

Even though some consumers have poor credit, they should still shop around for the best offers. The best secured credit cards offer reasonable interest rates without additional fees. Some lenders take advantage of people with bad credit by tacking on high charges to secured accounts, requiring high insurance fees to qualify, or charging exorbitant rates of interest. Consumers need to check each deal carefully.

One of the best companies for rebuilding credit is Orchard Bank. Annual fees are waived for the first year, and the company reports to the major reporting agencies monthly to build credit. There is no processing fee for people with poor credit, and the company’s secured MasterCard has an annual interest rate of 7.90–19.90 percent. The minimum secured account is $200, and credit limit increases are granted to consumers who make their payments on time. The card will be upgraded to unsecured status for customers with dependable payment histories. Applicants should have a credit score of at least 494 to obtain approval for this secured card. The average credit score of people approved for this card is 599.

Introductory APR lasts for 21 Months!

The best feature of this Citi Platinum Select card is the introductory APR that’s offered to new card holders. This introductory offer is 0% APR for 21 months! That includes both purchases and balance transfers. With that said, it can save you thousands of dollars if you transfer the balance of another card with a high interest rate to this one. Since the balance transfer fee is only 3% (which is far less than a high interest rate), this card is perfect for paying off some of these high interest cards. Just keep in mind that you have to transfer the balance within the first 4 months of getting your card for this offer to apply.

For Those Who Love to Shop Online

Shopping online has become very popular and now it’s even better. The ‘extra cash’ feature is perfect for placing those online orders. With this Citi Platinum Select credit card, you can purchase all of your favorite items and get an automatic 10% discount. Here’s how it works:

• Select Savings – Go to the Citi website and log in to the Extra Cash section. Select the products you want to save on.
• See Savings as they Happen – Any time you make a purchase with the Citi Platinum Select Card, you see live information regarding your ‘Extra Cash’.
• Enjoy – All you have to do is use this credit card during the purchase and you’re set! The extra cash savings will be automatically deducted from your card’s balance.

Security Features

In today’s world, credit card security is a great concern. Identity theft is a growing trend that has a lot of people on edge. Fortunately, Citi utilizes the most advanced security features such as Secure Sockets Layer (SSL). To your privacy information even more secure, Citi includes industry standard as well as optional security measures. Here are some examples of how Citi protects owners of this credit card. Keep in mind that some of these are optional and must be activated by the card holder.

No liability for unauthorized purchases! If by some small chance you’re compromised, then you will not be responsible for paying unauthorized charges.

Citi Photocard is one of the best features. It would be extremely difficult for a black hat to use a stolen credit card with your picture on it! Citi gives you the option to unlock this cool feature and gain peace of mind.

Virtual account number add even more security to online shopping. You will be able to create a one time substitute credit card number that is directly linked to your credit card. Once you use this number, it becomes inactive. Therefore, it’s next to impossible for your number to be stolen online.

Auto Rental Features

For those of us who are constantly traveling, this Citi Platinum Select credit card adds yet another outstanding feature. First of all, by simply using this card to rent a vehicle, you’ll automatically be covered with auto rental insurance provided by Citi. Travel and emergency assistance are also included. These services include medical, legal, lost luggage, and emergency transportation. This protection is active throughout all of the U.S. and many other countries. You also get discounts for using Hertz with this card. Since Hertz is one of the leading car rental agencies in the world, this is a great discount.

Protect your Purchases

Most items that you purchase while using this card will include an extension of the manufacturers warranty. This is normally for a period of up to a year. Additionally, most items purchased are eligible for special protection such as:

• Fire
• Breakage
• Theft

This normally applies up to 3 months after the purchase date.

As you can see, all of these benefits can quickly add up. But what this Citi Platinum Select MasterCard review has shown us is that the most useful feature is the introductory balance transfer offer. Since it’s completely interest free for 21 months, it can wind up saving you a lot of money. It’s no wonder that this card is quickly becoming one of the most popular on the market.

Top Five Benefits of Chase Freedom

1. If a Chase Freedom credit card holder makes purchases in the amount of $500 in three months, this card holder will be entitled to $200 in cash back, and this goal would be relatively easy for most card holders to accomplish.
2. People do not have much time to meet the following goal, but because the holidays are coming up, they might be able to do it. If they purchase $1,500 on their Chase Freedom Visa cards by December 31 of this year, they will receive 5% cash back on their purchases from the following establishments:
   • Restaurants
   • Department stores
   • Movie theaters
   • Charities
3. The Chase Freedom credit card offers people chances to receive more opportunities to earn cash back. Every three months, a new category will be added that makes it possible for people to earn 5% cash back, such as for supermarkets, gas stations, drugstores and stores dedicated to home improvement.
4. As long as people retain their cards, they will earn 1% cash back when they use the card at all other establishments.
5. This card also offers benefits for those who use it to make purchases online. Using this card at participating online stores entitles card holders to a maximum of 10% cash back on their purchases.

Terms
This card gives people a 0% introductory APR for balance transfers. Card holders who transfer their balances from other credit cards within the first month of owning the card will qualify for the 0% annual percentage rate for a full year. The fee for transferring balances is only three percent of the balance. If they qualify, it’s possible that the transfer fee will only be five dollars.

The card also offers a six-month introductory rate of 0% APR for purchases made with the card. After the introductory periods are over, the APR will increase to 17.99%. Also, the card holders will enjoy the fact that they will never have to pay an annual fee for this card.

The card gives people a chance to avoid having to pay any interest on the purchases they make. Those who obtain this card will have three weeks to pay their balances in full after the close of each month’s billing cycle. If they do this, no interest is charged on these purchases.

Qualifications and the Application
Those who have a credit score of at least 750 may feel free to apply for Chase Freedom cards online. The application is on a secure website, so people can be assured that their personal information is safe. They will need to give their names, addresses and financial information as well as contact information, and they will be able to quickly submit their applications to Chase Bank.

Applying online is safe and secure and gives people a chance to receive an answer as to whether or not they have been approved in a much faster manner than mailing in their applications. This Chase Freedom card review is all that is necessary to have the desire to apply for Chase Freedom cards.

If you really have to rely on balance transfers make sure to find the ones that offer you the longest Intro APR period. Like I said before, 6 month is the minimum. Many cards give you 18 even 21 months special APR on balance transfer and purchases. One thing to keep in mind is that although the monthly payment is very low you will need to manage to pay offer the entire balance at the end of the intro period. If you have a huge amount transferred from the old card you should pay a bit more than the minimum due – the better way to do it is to divide the entire balance by 21 months or whatever the number of months the financial institution is giving you. Let’s say you have $5000 credit card debt, you should pay about $240 each month for the next 21 months. There will be no surprise at the end. Another thing to keep in mind is never make any purchase with the new card. Some cards offer different intro APR and period for balance transfer and purchase. Don’t mess them up. You can apply for a different card just for purchase you need to. Just remember to pay off the balance each month so you don’t have to repeat the “balance transfer method” again. Once you forget the pay the entire balance you will end up accumulating more debts instead.

Some people have way more cards to use than they really should. In the case you forget to pay the bill when balance is due you should contact the credit card issuers first to find out if they are willing to waive the late fee and financial charges. Most of the time, if you don’t have a history of late payment and always pay in full in the past, they will credit back the fee in the next statement. My recommendation is to cut down the number of cards you own, especially the company or department store credit cards you signed up just to take advantage of one time saving.

In the next post, I will talk about other ways of avoiding credit card bills.