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0% Credit Cards (Balance Transfer) |
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A 0% credit card or
interest free card is also known as an introductory balance transfer
card. The 0% rate applies to any balance transferred onto the card
within a fixed period of time from when you open the card account.
The 0% rate is fixed and at present many cards offer you 12 or 13
months of zero percent credit. After this time the rate reverts to a
typical Apr often slightly higher than the rate charged on new
purchases with you credit card. 0% cards also have charges for
moving a balance onto them. The handling charge, as it is known is
often between 2.5 and 3% with a minimum amount being applicable. The
fact is even with these charges in place your 0% period far out
weighs bank loan rates and charges or most other deals you can find
due to the amount you are owing. |
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