Zero Percent (0%)
Interest Credit Cards
Low rate and 0 percent interest cards exist in the list below and on the
main credit card page. The reality of attaining 0% interest cards may be more difficult.
If you are looking for zero percent interest credit cards, they do not
actually exist. If they did, the credit card businesses could not afford to remain in
business for very long.
What they are actually offering is a balance transfer of your current card
to their new card for a short term 0% interest. After the period of time is up (usually 6
months to a year), the regular charges resume. The credit card company has to make money
by charging interest and uses the zero percent offer to snag new customers. Also, any new
charges made to those cards are usually figured in at the regular APR.
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If you maintain the balance on that new card past the time period
covered, you may end up paying more in interest than other cards that offer lower interest
rates that remain low regardless of how long you keep your card. People trying to play a
game with the cards by hopping from one card to the next, might find themselves rejected
when the credit card companies catch onto what they are doing.
Many card companies will not offer the introductory zero percent interest
rate to people with less than good credit histories. The best thing that anyone can do is
to either find a low interest card or ensure that you pay off the balance each month.
To the right is a selection of card companies that can help you get a card
with good interest rates.
[Click Here] for a more
complete listing of credit card companies featured with Low APRs and zero percent interest
Once you have faithfully made payments over the course of a year or two,
request a review to get your interest rate lowered. If the company wants to keep your
business, they will see about providing you a lower rate.