Free Credit Cards : How to Find the Best Credit Cards Online

Free Credit Cards

Finding Credit Cards online is as simple as a keyword search. They're everywhere. Not only can you find the sites of financial institutions that offer credit cards online, but you can also find reviews from the users of credit cards online, as well as sites of agencies and other organizations that offer a comparison of several credit cards.

The Web is now a one-stop shop for credit cards online - for finding the various credit cards online, for comparing the APR (annual percentage rate), the annual fee and the various rewards and points incentives of each. You can also apply for credit cards online as well. We did a quick Google search for the words "apply credit card online" and found 55,900,000 entries. Yes, that's 55 million. Narrowing it down to poor credit risk credit cards online options gave us a mere 11 million plus resources.

Just about everyone - especially college students - gets tons of solicitation through the postal service for credit cards. It's not as though credit cards online is your only credit card resource. Although, if you're young and aven't had a card before and haven't applied to college, or you
have poor credit you may not be on anyone's solicitation list for these postal enticements.

Credit cards online may be your online resource. Even for those solicited through the mail, credit cards online may still be their best resource. Print media - whether newspaper ads, billboards, direct mail, or magazines - is hampered by space restrictions. The more those credit card advertisers say, the more they pay.

Not so with advertising credit cards online. Credit card companies or non-profit agencies are not hampered by the need to be concise. They can, and do, offer all sorts of information about the pricing and perks of their cards, as well as general information on the credit card application, payment and customer service options. Most financial institutions that offer credit cards online are
paying their search engines on a pay per click basis, which means that they pay because you looked at their ad. It doesn't matter how much or how little their ad says. What this does for you is it makes credit cards online the very best, most detailed and informative credit card decision process you can find anywhere.

Nor will you find a more secure transaction, then your application for credit cards online. Credit card companies do a top-notch job of protecting your information from prying eyes.

There are many terrific things about apply for credit cards online. The first is the ease of finding all the information out there on the various credit cards available. You can easily look for low APR credit cards, free credit cards, poor credit credit cards, college credit cards, or good credit credit cards. You can let the Web sort the credit card wheat from the chaff - online and quickly. You can apply quickly and instantaneously know if you are approved. Credit cards online are fast, efficient and secure.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Credit Cards Online

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Free Credit Cards : No Annual Fee Credit Cards - Are They Right for You

Free Credit Cards

Typical consumers are bombarded these days with seemingly thousands of advertisements, many arriving in the form of unsolicited email and bulk postal mail, for credit cards. From staggeringly low introductory interest rates and no annual fee credit cards to all manner of possible rewards and incentives, each advertisement has something to attract potential consumers. No one consumer needs more than a handful of credit cards, so how is one to cut through all of the advertising jargon and determine for his or herself which card will be the best one for them?

There is no simple cut and dried algorithm for selecting a few good prospects out of the myriad of offers for travel rewards cards, no annual fee credit cards, low interest credit cards, and the like. The best way to proceed is to carefully examine your own spending habits and taking that information, along with a little bit of calculation, to determine which card offer will work best for you.

It is important to remember that credit card companies issue credit cards with the sole purpose of making money through finance charges and/or annual fees. Typically, no annual fee credit cards will have higher interest rates than cards that charge an annual fee. Whether a no annual fee credit card or a low interest rate credit card is better for you depends on how you typically use your credit cards. If you always pay off your balances in full, or carry very little balance, typically no annual free credit cards will be perfect for you.

The reason is that no annual fee credit cards tend to offset the savings from having no annual fee by charging higher interest rates than other cards. However, if you always keep your balance low, then your finance charges will be low as well, regardless of interest rate. On the other hand, if you often carry large balances and do not pay your balance in full, interest rate becomes much more of a factor. If that is the case, no annual fee credit cards may not be the best choice. The best card in that situation would be the card with the lowest interest rate. The savings from paying lower finance charges will offset the annual fee.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning No Fee Credit Cards, including assistance with the Chase MasterCard Rewards Get the information you are seeking now by visiting BestCreditQuote.com

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Free Credit Cards : Find A Free Credit Card – It's Not Difficult

Free Credit Cards

Before we start talking about free credit cards, it is necessary to define somewhat what is meant be free in this context. While there are some credit cards out there that will charge you a monthly or annual subscription fee to become one of their customers and receive their credit card, these deals are becoming far less common than they used to be and therefore it is by far the norm now not to have to pay a subscription fee for a credit card. Therefore, a credit card being free in this sense will be assumed.

What I mean by free in the context of this article is interest free, or an APR of 0%. There are a growing number of credit card providers on the UK market that will offer introductory deals for a certain number of months during which you will receive a 0% APR on either a balance transfer, or on your purchases, or sometimes if you are lucky, on both.

These types of cards, while sounding very attractive, are actually not that difficult to find. All you have to do is be willing to search for them. Because of the high degree of competition that exists at the moment among credit card providers in the UK, you will find that excellent 0% deals are in fact quite common. In most cases, unless you either have no income, either because you are unemployed are a student or for some other reason, or unless you have a bad credit history, you will most likely find it quite easy to find credit cards that are offering some sort of 0% deal.

While you may be lucky enough to receive a phone call or a mail in the post offering you a 0% credit card, if you want to find one faster than simply waiting for this, the best place to begin is by searching online. There are literally hundreds of websites out there now that specialise in helping customers find the right credit cards.

To begin your search it is recommended that you visit general credit card websites that will offer you the option of searching through hundreds of credit card deals. These web sites will give the best opportunity to find a 0% credit card offer that suits your needs. Remember to pay attention not only to the fact that any given credit card is 0% but also, make sure you check how long the 0% period will last, whether it applies to purchases, balance transfers or both, and what will be the interest rate that applies after the end of the 0% period.

Just recently 0 per cent credit card deals are becoming a little more complicated. They are still easy to find, however, many of them now come with hidden charges that can sometimes take away the advantage of having the 0 per cent credit card in the first place. Moves taken by credit card companies include:

Reduced credit limit Reduced interest free period Balance transfer fee

Once you have found a card that interests you, visit the credit card provider’s website directly to find out more and, if satisfied, apply.

Peter Kenny is a writer for creditcards-gb.co.uk. For additional articles and an extensive resource for everything about credit cards, please visit us at 0% Balance Transfers and Cash Back Credit Cards

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Free Credit Cards : Is There Such A Thing As A Free Credit Card?

Free Credit Cards

A lot of people have been wondering how they could score a free credit card. They have been searching the World Wide Web for resources that would point them to free credit cards of any variety.

This interest in those things that many have labeled as plastic money should not come as a surprise. Credit cards have become a convenient alternative to carrying actual cash. And securing free credit cards would just add to their already popular appeal.

But the thing is, the term “free credit card” would be superfluous, and likewise a mixture of opposites. “Free” and “credit,” after all, don’t go together. And credit cards are hardly free.

What Is Meant By A Free Credit Card?

Perhaps what many interested parties mean by the term “free credit card” is a credit card freely procured. In which case, there should be no need for a search. All credit cards are free!

This is because you won’t have to pay for the processing of your application for a credit card. You won’t have to pay any burdensome application fees nor any documentary charges.

Simply submit all the information required, and once approved, you could start purchasing items and services and charging them to your plastic money. That’s right…a free credit card for your needs!

Is There A Catch To Being Granted A Free Credit Card?

There are no catches whatsoever. However, you will have to choose one which does not charge an annual service and maintenance fee so that you could truly consider it as a free credit card. Some credit card companies do impose these charges. Others don’t.

Free credit cards should be better off without the annual expenses. You are already encumbered with a 1% to 4% fee for every transaction anyway, and interests accrue for every month you’re in default of payment. Surely, an annual charge would be a little too much, regardless of how minimal the amount is.

The usual requirements are also needed to be complied with. Before a free credit card can be granted, a thorough check of the applicant’s credit history is essential. For this purpose, a good credit history is a must, something which the applicant should have worked for throughout the years.

Another Aspect Of The Term “Free” In A Free Credit Card

Perhaps, some people are referring to an entirely different matter whenever they refer to a “free credit card.” Perhaps, they are talking about the interest-free repayment period, where the free credit card holder can pay the amount that has accrued without the accompanying interests for as long as it is paid in full within the period so stated. This would indeed save the free credit card holder a good amount of money, most especially if he has purchased items that total to a substantial amount.

Regardless of what is meant by a free credit card, the fact remains that anyone would be able to benefit from the convenience and flexibility offered by these modes of payment. For as long as the requirements are in order, and for as long as they would be used responsibly, free credit cards would introduce the user thereof to a whole new world of consumer empowerment.

Ewen Chia is the owner of Free-Credit-Card-Offer.com providing quality free information on credit cards. You can also apply for your free credit cards here: http://www.Free-Credit-Card-Offer.com

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Free Credit Cards : 3 Ways To Effectively Use Interest Free Credit Cards

Free Credit Cards

Interest free credits cards really refer to cards that offer an interest free introductory period. This interest free term can last anywhere from a couple of months to a full year. The most important thing about the interest free period is to not waste it. Use it to the best advantage, but make sure you pay your entire balance before the end of the interest free period. The worst thing you can do is end up paying interest on purchases when you didn't have to. Follows are three ways for consumers to make the most of the interest free credits cards in their pockets.

Large Purchases

If you need to make a substantial purchase you should consider using an interest free card for the purchase. Using this type of card for an expensive purchase, such as a new dishwasher or bedroom set, will help finance the purchase without costing you a lot in finance charges. In fact many stores offer no interest on purchases over a certain amount (usually a couple of hundred dollars) for a certain number of months. Always make sure that you can pay off the entire balance before the interest rate goes up or you will end up paying unnecessary finance charges.

Transfer Balances

The ability to transfer balances is the reason most people eagerly seek out interest free credit cards. Transferring balances from other high interest cards to no interest cards in order to more rapidly pay it off, is a good plan for getting out of debt. A word of caution, though, many credit card companies charge lofty fees for the privilege of an interest free payoff period so be sure to factor that fee in when considering which card to get.

Improve Your Credit Score

There are a couple of ways interest free credit cards can help improve your credit score. With the balance transfer, you'll get the chance to pay off debt which will raise your credit score. Also, having less of a balance on your other cards will make your score rise providing the interest free card doesn't have more than a fifty percent balance on it. Unfortunately it can be difficult to get a high credit limit (or balance transfer) on an interest free card if your credit isn't at least good. However if you have near excellent credit, this could be the push towards perfect that you need.

Morgan Hamilton offers helpful advice and valuable tips with regards to the credit card industry, including information about Interest Free Credit Cards. Get the information you are seeking and compare credit card offers at http://www.BestCreditQuote.com.

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Free Credit Cards : Interest Free Credit Cards - Getting Accepted

Free Credit Cards

If you've got a debt but you don't want to pay any interest, the answer could not be simpler. All you need to do is find a credit card with a 0% interest rate on balance transfers. This is an introductory offer commonly offered by credit card companies.

How Long Does The Interest Free Period Last?

Most credit card companies offer the low balance transfer rate for a fixed period. There are two ways in which this happens. One way is to have an expiry date of a particular month and year. The second is to specify that the introductory offer lasts for a certain period from the issue of the card. This can be as short a period as three months or as long as 12 months.

Some introductory credit card offers also give a 0% rate on purchases. This means that for a fixed period (usually about six months) credit card users can spend as usual but pay no interest.

What's The Catch?

Credit card companies hope that purchasers will keep the money on the card after the preferential rate has expired. However there's no rule that says that credit card users have to do this. To avoid paying any interest, credit card users can switch their balance to another card. This is known as credit card jumping or rate surfing. The advantage of rate surfing is that credit card users will reduce their debt because the payments they make will not simply be paying off interest.

Credit card companies have caught on to credit card jumpers. Many of them now impose a balance transfer fee of around 2%.This makes rate surfing less attractive. There are still cards that do not charge this fee, though, so it's worth shopping around.

How Else Can I Get An Interest Free Credit Card?

The other way of getting an interest free credit card will work well for people who are organised about managing their money. Those who always clear their balances in full will be able to put their monthly spending on a credit card and clear it at the end of each month without ever paying any interest.

Even people who don't clear their balances in full will be able to take advantage of the interest free periods offered by each credit card. These can be as much as 58 days. All credit card users need to do is make a note of when the interest on the balance is due and pay off the outstanding amount before that.

Paying The Price Of An Interest Free Credit Card

It's best to make the payment a week in advance to give the payment enough time to clear. Otherwise there could be a nasty surprise in the form of an interest payment. Credit card companies also have different approaches to how they apply the payments people make. If your credit card company applies payment to new debt first, then older spending could incur an interest charge.

Joseph Kenny writes for the Card Guide, a site where visitors can interest free credit cards and also read the information on the credit card guide.
Visit today: http://www.cardguide.co.uk

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Free Credit Cards : Store Cards Vs Credit Cards

Free Credit Cards

Store cards are offered by numerous retailers nowadays in the UK and everybody has no doubt experienced walking into a shop and being offered a store card. Most of the stores will even offer you a discount on the items you are purchasing at the time just for filling in an application form.

The way a store card works is similar to a credit card as you use the card to buy items instead of cash and then you make repayments either monthly or in one go if you would prefer.

Of course there is a major difference between credit cards and store cards as store cards can only be used in certain shops and chains and this obviously limits your choice when making purchases. There is however, a plus side to be seen here, as this would mean that you wouldn't spend as much as much as perhaps you would do with a credit card.

There are however, other disadvantages with store cards such as the enormous amount of interest you have to pay if you choose to spread out your repayments on the card, as store card interest rates are even higher than credit card rates.

As well as these disadvantages, there are of course some benefits to these cards, such as; discounts at certain shops and on certain products there as well as a whole host of other perks on offer.

The only thing to do is to weigh up whether or not the limitations and high interest if you fail to clear your balance each month are worth the few benefits that you receive.

One thing to keep in mind is not to be pushed into getting a store card just so you get the discount at the point of sale or just so that you can get rid of the pushy sales assistant, especially if you've got a bad credit history because you get refused for the store card and end up damaging your credit history even more.

If you are looking for plenty of choice in the types of cards that you can get and also where you can use the cads then a credit card may be more ideal for you. Nowadays, the majority of places accept credit cards both here and overseas.

You can make sure that the card is suited to your spending and repayment needs. There are also interest free credit cards available so you could even avoid paying interest altogether, just as long as you pay back the debt within the allocated time, otherwise, you will find yourself paying high interest rates.

Of course there is a major difference between credit cards and store cards.

Store card interest rates are even higher than credit card rates.

There are also interest free credit cards available.

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Free Credit Cards : The Truth About Free Credit Cards

Free Credit Cards

There are many credit card offers claiming they are free credit cards. What they mean is that they do not charge you for the card. It does not take much to figure out that can not be true. Credit card companies do not make any money without charging some kind of fee. These free credit cards are nothing more than a play on words to lure you into huge fees and charges. The truth about free credit cards is they do not exist. If they did wouldn’t everyone use them?

The main selling points for these free credit card deals are they have no up front charges. They do not charge and application fee or processing fee. This is often true, but where they get you is with the other fees, like high interest rates or transaction charges. Some also offer free interest. This may also be true, but read the fine print and you will see that this is for a limited time and in most cases, only applies to certain purchases. These free offers are just a way to get you to sign for the card and then slam you with charges later.

It is illegal for a credit card company not to disclose charges and fees to you before you sign up for the card. They are not, however, liable for the fact that you did not read all the information provided. That is why reading everything is important. The companies use small print for things they would rather you did not read. That is why it is even more critical you read these areas. The fine print almost always holds the catch to the great deal they are announcing in the huge print. Here is where you find out that the free interest lasts only six months and only applies to balance transfers. Always keep your eyes out for the small print so you can avoid falling into the credit card companies trap. The old saying that if it seems too good to be true then it is, really does speak the truth when it comes to free credit cards.

The majority of free credit card offers are only a limited offer to get you to get the card. The real fees kick in and you find yourself in credit trouble. Credit cards are the main way people fall into debt. They are easy to abuse because you do not have to keep a running tally like with debit cards or checks. These offers are often seen as a great deal because people do not take the time to read all the information provided. It can be a hassle to read through the legal wording while squinting at the small print, but it is even more of a hassle to clean up a bad credit record.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Free Credit Cards.

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Free Credit Cards : Discover Free Credit Cards

Free Credit Cards

There are a great number of people today that are looking into getting a credit card. Some of you may have heard of free credit cards and are very interested in getting one. The idea of free credit cards does sound enticing. If you would like to know about free credit cards, there are some things you should know. Let this be your guide to help you discover free credit cards.

First of all, there is no such this as a free credit card. All credit cards cost money, eventually. The cost of the credit cards depends on your APR rate. But if you play your cards right, there is a way to make your credit cards seem free for a short time. The idea of these free credit cards will be explained.

Free credit cards are the ones that don't charge you an annual fee just for having them. But there is also another aspect of free credit cards. Many credit cards offer a zero percent APR for the first 12 months to any new cardholders. This means you are never charged any extra fees (APR) for 12 months. So as long as you pay off the balance that you spent within those 12 months, the credit card is in essence, free. Also, if you always pay off your credit card balance each month, the credit card is free because they can't charge you any APR.

To get free credit cards, you first need to apply for them. You can apply online, on the phone, or you can fill out the application at home and then mail it in. The easiest way is to apply online. This way you can compare credit card rates and see which credit card companies offer a 0 percent introductory APR and no annual fee to have the card. To find free credit cards online, just
type "free credit cards" into the search engine and then press search.

You do need to realize that not everyone can get a free credit card. This sort of thing is usually only offered to those of you with an excellent credit score. With 0 percent APR and no annual fee, the credit card companies would be taking a great risk if they offered this deal to someone with bad credit. So try to apply for these credit cards if and when your credit score is good
looking.

This is all of the relevant information you need to be aware of about free credit cards. Remember that all credit cards are not truly free credit cards. If you are wise about selecting your free credit cards, you should be able to save some money. That is the whole point...Isn't it?

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Free Credit Cards.

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Free Credit Cards : The Whole Truth And Nothing But The Truth

Free Credit Cards

You got creditors calling you everyday. You could lose the car or house. Your teetering on the edge financial ruin - then you see an ad that may safe your butt! Typical headlines say something like "Millionaire reveals Hidden Cash Sources, or help for people in debt up to their eyeballs!"

HOW DESPERATE ARE YOU? IF YOU'RE IN TROUBLE, GET HELP. PROFESSIONAL LEGAL HELP!

It's available free or on a sliding scale based on your ability to pay from any number of agencies that can, and will REALLY HELP YOU! No, they won't give you money just for asking. Neither will anyone else.

Many ads will try to make you think that there's little known secret funds that only the rich know how to get their greedy hands on. How millionaires are ripping-off the system. Getting money that was set aside for people just like you! Are you getting mad? That's the idea. Now it's time to get your share. What, you don't know how? Send in for a "secret program" and collect your rightful share of free loot. It's easy, legal, anyone can get the cash.

As of this writing the United States Government is deep in debt. Far worse then you. Over four trillion dollars worth. That's $4,000,000,000,000.00. No, theres no loot stashed away in some forgotten vault, but some money is indeed available if you qualify. That's the catch 22.

HUNDREDS OF MILLIONS OF DOLLARS GIVEN AWAY

That's the part of this con that is the truth. A lot of schemes sell information that you can get for free, from a whole bunch of government and private agencies. Of course, NOBODY just gives money away. You have to qualify.

Here's how to get your hands on some...

What are the con-artists selling?

Sometimes you'll get information on the (SBA), the Small Business Administration, which will help you get a LOAN, if you can't get one from regular banking sources. Of course the SBA has nothing to do with helping you pay off a stack of personal bills, a past due mortgage, car loan, utilities, medical bills.

The SBA arranges BUSINESS LOANS, and rarely, gives outright grants. You could also get details on how you may qualify for Medicare, or several other government programs. Of course, you could get exactly the same information for free from Uncle Sam!

Some plans tell you about Grants. That's where you really do get money, and you don't have to pay it back. Yes, there are many foundations that do give money away for worthy projects - if you qualify. That's the catch.

I could tell you more, but you already get it. Don't you? Sure, there's all kinds of government special assistance programs, low interest loans and outright grants - but in order to get any of this money you have to qualify.

Chances are very good you won't!

The agencies that give the money will tell you for free how to qualify so don't send away for some plan that will cost you to find out exactly the same thing!

GRANT COORDINATOR

OK you learned that you probably can't get any money for yourself. How about telling people that do qualify for grants and collecting a fat fee for your services? Sounds dumb? Several swindlers push a scam that goes something like this:

Like most schemes, there is a little truth to some of what is being pitched. Yes, like I already said, every day millions of dollars are given away by all kinds of government agencies, trusts, and foundations. It's also true that sometimes more money is available then is applied for.

Here's where you come in. What do you have to do? Hell - almost nothing...

Just let the companies that qualify for grants know that they got the grant. The money is reportedly just sitting around waiting to be given away, but the companies that qualify are too dumb or lazy to ask for it. Of course they will be so happy, they will pay you a fat commission for letting them know about it. Fat chance.

You have to have part with up to $100.00 for this little beauty! Several "companies" offer this goofy scheme. I'll say this - the ripoff artists that peddle this garbage, must have taken a post-graduate course in swindling.

Remember the load of bull most chain letters promise?

Maybe $50,000 in 90 days. At least they say you're required to send out a hundred letters, then of course everything just snow balls. Not with this offer. You only have to send one letter and get $50,000 for matching a grant to a company. Need $100,000? Send two letters. Need a million bucks? Should have it by the end of the month, just send 20 letters.

What do you get when you send away your money? A "secret list" - how original! What of? Companies that have been pre-approved for grants. Sometimes a list of companies that may qualify for grants. You usually get a list of organizations that issue grants as your "bonus" gift for ordering early!

SELF-LIQUIDATING LOANS

Come on, admit it - you did read at least one of these ads because they sound so good!

Typical headlines say something like "Borrow up to $50,000 without ever repaying a penny!" Now if that doesn't get you to read at least part of the sales pitch, something must be wrong with you! The better ads will try and explain how this is on the up and up with fancy banking terms - some real, others made-up. Look for things like "Arbitrage", "Compensating Balances", "Self-liquidating", etc.

Sounds interesting, but it even gets better. There's no credit check, you won't need any kind of collateral, if you have bad credit - no problem. Won't ask where you work, or even if have a job. There's no paperwork. Of course the ad says it's 100% legal. What - you were worried it wasn't?

LET'S REVIEW

A company you never heard of, is willing to give you - a total stranger, that may have a bad credit history, and be out of work, a large amount of money that you won't have to pay back. No forms to fill out except for a tiny little order blank.

This one really stinks! It costs anywhere from $7.00 up to $50.00 to cover a processing fee. What about your loan? Well maybe you'll get it tomorrow. This plan, like so many others, works on simple greed. Just about anybody at one time or another got turned down for a loan. So, this is your chance to get even. No paperwork, everybody accepted. Don't even have to repay because of some "secret method" - it's a shame people fall for it.

GET AS MANY CREDIT CARDS AS YOU WANT

OK, you didn't jump on the previous offers, how about this one?

Maybe you have a poor work history. Can't hold a job, or just living beyond your means. Down on your luck - no problem. You can get as many credit cards as you want! Easy! Everybody! Sounds too good to pass up. Most offers are modestly priced - after all, we're talking about people who may be desperate, don't have much money to spend. How does it work? You simply apply for secured credit.

THIS PLAN IS PERFECTLY LEGAL!

How? You put money in a secured bank account.

The bank then issues you a credit card equal to the money you placed in the account.

OOPS!... you didn't know that?

Let me run that past you again a little slower. You want a credit card where you can charge up to $500. So you have to deposit $500 in a special bank account and then the bank will let you use the credit card they issue up to the amount of money you have on deposit. Want two cards? Deposit $500 in two different banks.

Repeat the process as many times as you like. Of course if you had money to put in the banks, you probably won't need the credit cards. Shame they don't tell you that in the ads! Something about let the buyer beware I guess!

Actually it is important to build a good credit history, and this is one way to do it.

There is nothing illegal with using this method. Surprise!

You don't have to send away for any offer either. Just walk into your local bank, and ask to open a secured credit account. Not every bank provides this service, but a surprising number do.

The only catch is of course you can't touch the money in the account, and if you don't pay off your credit card balance in full each month you will rack up quite a bit of interest charges on top of whatever you charge with the credit card, so be careful.

A lot of ads claim you can get $100,000 in credit. Sure you can.

I just told you how. Deposit $100,000 in several banks as secured credit accounts, and you will get the cards.

Watch out for offers that ask you to send in a big application fee. Sometimes they use a 800 phone number, and tell you up front what the application fee is. Others claim the processing is free, have you dial a 900 phone number, and a $20.00 charge magically appears on your phone bill next month.

Still others start with a free 800 phone number that is nothing more then a recorded message that asks you to dial a 900 number to complete the transaction. No 900 phone numbers are free calls that I know of.

You could end up paying fifty dollars for so-called "free credit cards." If you can't find a local bank go ahead and apply, once you know how much the total charges are, but ask what bank is issuing the card first. Check them out with local authorities where the bank is located. It's worth the phone call.

However, you just might find out there is no such bank and a rip-off artist is just trying to steal your money, so proceed with caution. This type of offer is very heavily advertised on television. As I already said most offers are legal, but you will be required to put up cash equal to the amount approved for the credit cards offered.

There is another method that will give you a good credit history in time.

Open a regular savings account and deposit $200-$500.

Leave it there 30 to 60 days, then get a loan on the account.

Pay the loan off before the due date.

Withdraw part, or all of the money.

Open another account at some other bank.

Repeat the process over and over.

Your local credit bureau will get good reports on you, and before you know it, your mail box will be stuffed with offers for really free credit cards - no more secured account!

Free Credit Cards : Extend Interest Free Credit Cards Introductory Periods Forever

Free Credit Cards

Did you know that you can extend your interest free credit cards 0% introductory period virtually forever?

Almost two years ago I wanted to perform some renovations to my home. To finance the work I used one of my first interest free credit cards. Over the last two years I've been paying the debt off interest free. How have I been interest free for over two years when most interest free credit cards only give you an interest free introductory period that only last a few months? It's called Transferring Balances and you're about to learn how to do it yourself.

How To Extend Interest Free Credit Cards By Transferring Balances

The concept of transferring balances is quite simple really. It just means that when you're interest free credit cards 0% introductory period ends, you transfer the remaining payoff amount to new interest free credit cards. Sounds pretty simple right? Well, there a bit more to it that I'm about to explain, read on.

The first thing you want to look for are interest free credit cards that offer the longest interest free introductory period. Some companies offer up to 18 months interest free. This way you don't have to concern yourself with transferring balance for quite a while. If you can't find a 0% introductory rate that is that long, no problem, you'll just need to transfer a bit more quickly than with the extended offers.

Ok, this is important. Don't sign up for anything until you've read this.

Be sure that the interest free credit cards you sign up for have introductory rates that apply to both new purchases and balance transfers to optimize your buying and transferring. If you cannot find an introductory offer that offers both then use the card wisely. If there's not 0% introductory offer on new purchases than don't use the card to make new purchases, just transfer your balance, continue paying off your debt and be on the look out for a new card that offers better features.

It's ok to be OCD about paying your credit card bill on time every time.

There's nothing wrong with obsessing as long as you obsess on good things, like paying off your debt. In some cases if you're late on your payment even once you cancel your 0% interest plan immediately and can be hit with late fees... and that's not what we want, we're looking to SAVE money here, right?

Be sure to give yourself plenty of time to find your new interest free credit cards that you will be transferring balance to, sometimes it can take up to a month to get everything worked out. Most online applications for interest free credit cards will give you results immediately but not always. Taking extra precaution and giving yourself plenty of time ensures that you don't get stuck with unplanned interest fees.

Finally, and this sounds silly but it's important. Don't forget to shut down your old interest free credit cards when you get the new one. If you no longer plan to use the card, cancel it completely. Apart from any other benefits canceling your previous card should allow you to qualify for new 0% introductory periods with the card companies you've used in the past because you'll be looked at as a new customer when you apply for your new card a few years later.

This article has been provided by Creditor Link. Creditor Link offers Refreshingly Honest Credit Card Advice to our readers. We also offer a simple search utility that allows you to easily find the interest free credit cards you are looking for.

Article Source: http://EzineArticles.com/?expert=Steve_Shell

Free Credit Cards : Interest Free Credit Cards

Free Credit Cards

An interest free credit card

Credit card interest is the principal way that credit card companies make money. When you make purchases on a credit card you are actually "borrowing" money from the card issuer. The bank pays for the purchase and then charges the card holder interest over time until the balance is paid.

Although the only guaranteed way to avoid paying interest is to pay your bills on time there are ways that you can utilize interest free credit cards introductory periods to your advantage and stay interest free well beyond the introductory period but you will be required to transfer your balance from one interest free credit card to another.

The key is to find multiple credit card companies that offer 0% interest introductory periods as well as 0% balance transfers. Using the two card companies together you can transfer your balance from one interest free credit card to another and begin the new interest free introductory period when your old one reaches it's end. As soon as the new interest free introductory period begins, start looking for a new card with a 0% introductory period.

When looking for new cards be careful because some credit card companies offer 0% interest on purchases but charge around 2% interest on balance transfers. Be thorough in your research as conditions will vary with each credit card. Some credit cards include fine print that states that as long as your first balance transfer is done within 12 months from the date that you opened your account you can get 0% for 12 months from date of first balance transfer.

Are there any completely interest free credit cards out there?

Unfortunately, there are no completely interest free credit cards on the market because, well... credit card companies have to make money to stay in business. But there are many smart and effective ways to maximize your savings using the interest free introductory periods.

The first step to getting started is to compare interest free credit cards<>

This article has been provided by Creditor Link. Creditor Link offers Refreshingly Honest Credit Card Advice to our readers. We also offer a simple search utility that allows you to easily find the interest free credit cards you are looking for.

Article Source: http://EzineArticles.com/?expert=Steve_Shell

Free Credit Cards : How to Get Free Credit Cards

Free Credit Cards

Free credit cards - what a concept! We're all enticed by the very word free. The more common term for free credit cards, however, is 0% (or zero percent) APR credit cards. APR stands for annual percentage rate. In other words, free credit cards can refer to those that charge you no interest on the purchases you make with them.

Years, and decades ago, the APR was standard no matter which card you chose, and which financial provider. The APR simply depended on the bank rates, which in turn were influenced by the federal reserve. 18 percent was then a fairly standard APR. This was clearly not a time when free credit cards abounded and, in fact, competition wasn't very frenetic, because the rate was the same no matter which card you chose.

Then, however, monoline banks came into being. These banks, unlike the traditional financial institution that accepted deposits and gave out loans, served simply as issuers of credit cards. These still didn't create free credit cards, but they did have a decreasing effect on credit card APR, because competition for credit card users started to become stiffer.

Nowadays, unlike the past decades, you're almost certain to find introductory promotional offers on just about every credit card. While they won't always qualify as one of the free credit cards, most will qualify as low interest first year credit cards. The most popular, of course, are the free credit cards - the ones that offer the zero percent APR at least for the first year.

What's so great about these free credit cards? The primary usefulness is not for the new credit card user (although free is certainly an enticement - and useful - for novice or long time user, young or old) but for those who already have accumulated a hefty amount of debt from the use of cards that don't qualify as free cards.

As an example, let's say that you owe $5000 on a credit card whose APR is twenty percent. You're going to have to pay $1000 just to keep up with the interest. If, however, your credit card is a member of the free credit cards family, your $1000 payment will actually bring the principal down to $4000. What a difference, then, these free credit cards can make!

Free credit cards can best help you get out of debt when you transfer the balance of another high-interest APR credit card to the account of the free credit card.

You might also benefit from free credit cards that charge no annual fee. Some of these do this as a promotional gimmick, eliminating the annual for the first year only, and then charging anywhere from $19 to $250 each year thereafter. Some instead charge an annual fee in subsequent years only if you don't use the card for the number of purchases the free credit cards companies designate as your minimum requirement.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Free Credit Cards

Article Source: http://EzineArticles.com/?expert=Morgan_Hamilton

Free Credit Cards : Credit Cards 0 Interest But Be Warned

Free Credit Cards

It can't be avoided credit cards play a major role in our financial lives. Almost everyone these days owns and uses a credit card. They are more convenient than having to carry cash around, they are good for emergencies and on the whole are quite secure. The only down side to credit cards is that if you have a balance on your card at the end of the month you get charged interest.

If you find you use your card often and don't always pay off the balance each month you will find you are being charged interest. Whilst for small balances this may only add up to a few pounds each month but this can soon add up. On larger balances some people may find their card payments are getting out of control and find they are getting charged a substantial amount each month in interest. You soon find you are struggling just to pay the minimum payments.

You can however avoid the credit trap by using credit cards with 0 interest, these are credit cards that offer a zero interest free period when you apply for a new card. Not having to pay interest for a period of time on purchases means you can save a large amount of money.

So what do you do if you have an existing credit card with a large balance that you are paying interest on. The good news is you can transfer the balance to a new card that offer 0 interest free periods for the life of the balance no matter how long it takes you to pay it off. This means that you are just paying off what you initial spent on your card in the first place and you will not be burdened with additional interest.

Now for the warning

As we mentioned before credit cards with interest free periods are great idea, why pay additional interest charges when you don't have to. Isn't that money better being spent on yourself rather than handing it over to a credit card company.

You have to be careful when choosing a new credit card, don't be distracted by the headline offers and be sure to check the small print. No one like to read the terms and conditions but make sure you at least glance at them to make sure there are no hidden traps that will hit you later.

One thing you can do is make sure you have two separate credit cards. This sounds strange but many card companies count on you transferring the balance of your old card to the new 0 interest card and then using the new card to make new purchases. Don't do this as you will end up in the same situation you are in now.

What you have to do is find two new interest free credit cards, one card to transfer the balance of your old card and another to use for new purchases. If you do this you can use one card just to pay off the balance of the transfer without getting charged interest. I'd recommend looking for a card that offers a lifetime zero interest period till you pay off the balance. The second card will be used for new purchases so look for a card that offers a long interest free period on new purchases, this way you save money on credit card interest.

Find out how you can get 0 interest credit cards at http://www.creditcard0interest.co.uk

Article Source: http://EzineArticles.com/?expert=Allan_Burns

Free Credit Cards : Balance Transfers Allow You to Manage Your Debt Wisely

Free Credit Cards

If you're being squeezed by the high interest rates and fees charged by your credit companies, it might be time to rethink your financial strategy. In today's marketplace, credit card companies compete for your business. You can take advantage of free credit cards and balance transfer options to make purchases, manage your credit card debt, and avoid paying high interest rates and fees.

The first key to taking charge of your credit card debt is to understand the options available to you. Free credit cards not only offer you a cushion of financial security, but when used wisely, they can also help you lower or erase the interest rates you're currently paying. In effect, the money you spend each month on interest charges becomes money you can use to pay down your debt or to spend as you see fit.

As an example, if you have a $7,000 balance on a credit card that charges 18 percent APR, and you're paying $210 (3 percent) per month, it will take you over 18 years to pay off the debt. In the process, you will have paid $6,698 in interest!

If, however, you took advantage of the balance transfer option on free credit cards with a 2.99 percent APR, your $7,000 debt will be paid off in a little under 11 years, with a total of $611 paid in interest charges. That's a savings of $6,087!

When you receive offers of free credit cards and balance transfer offers, it's important to read the fine print. Sometimes, the initial low interest rate will jump to a high interest rate after six months. Other times, though, the low interest rate will be maintained throughout the life of the loan.

Increasingly, consumers are seeing the wisdom in using free credit cards and balance transfer to manage their debt. While it takes some time and diligence to keep track of the various offers and to use balance transfers to your advantage, the benefits are well worth it.

Balance transfer is also a good tool to use if you've gone over your credit limit on one of your credit cards. Many credit card companies charge outlandish monthly fees when the cardholder exceeds his or her credit limit. By anticipating this problem and having free credit cards available that offer balance transfers, you can easily transfer a portion of your initial credit card debt to a second card, thereby avoiding penalty fees.

Free credit cards and balance transfer options are important components of financial health, and can allow you to manage your debt painlessly.

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web. Visit this FinancingInvesting Website and Majon's FinancingInvesting directory

Article Source: http://EzineArticles.com/?expert=Chris_Robertson

Free Credit Cards : What Are Interest Free Credit Cards

Free Credit Cards

Credit cards that charge no interest on your purchases or on your balance transfer for a certain period of time are said to be interest free credit cards. This interest free period is for a certain time and limit. This gives you the chance for more shopping around and spending without any tension of being levied any extra amount. Thus you can save a lot on these cards.

At times it is so that the interest you pay would depend entirely on how good or bad you fair in credit ranking. Your annual income and nature of past payments also matter a lot. If you have had a bad credit history then you might have to pay a higher interest as compared to those who have good credit ranking. Thus, by paying off your balance on time or even before the due date you can easily assure the interest free credit card for your good credit ranking. Today all the major credit card companies provide customers with interest free credit cards whether they are Virgin credit card or Egg credit card or even Natwest credit card accompanied with additional offers.

Any interest free credit card can prove very advantageous for you by many means. This option gives you the chance of balance transfer and helps you to pay off your existing outstanding balance of your borrowings without added burden of interest. This card proves to be the handy tool when you are looking forward to a big purchase and want to repay in the easy installments. This card proves to be a boon for you if it is used wisely. Unfortunately the credit card issuers generally hide the actual APR and which comes into picture once the interest free period is over. This proves hard because now you have to pay more than what you may wish to.

Interest free credit cards are a great option for those running into high debts. Since, you can get an opportunity to pay back your debts without mounting any more of them. But do not let the concept of interest free credit cad pile up your debt any further. Within that interest free period you have to repay your outstanding amount within the stipulated period. The best way to find the interest free credit card is to go for a detail market research, seeking all the avenues available for the information and then go for any credit card.

Joseph Kenny is the webmaster of the UK credit card comparison site http://www.creditcards121.com/, where you can find a selection of interest free credit cards. For US visitors there is also the comparison site http://www.credit-cards-info.com/ for all US interest free offers.

Article Source: http://EzineArticles.com/?expert=Joseph_Kenny