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Low Interest credit cards
Credit cards help you make easy purchases without financial constraints, especially in the event of tight cash flow. There are many perks associated with credit cards in form of rewards and cash back programs that can help you get a few more advantages over the dollars you spend. However, on the downside, these same cards can put you in a financial jeopardy if you have a high balance pending on your card and the interest rates are too high. In the recent years, the APR for cash back credit cards is variable at around 20% and for the travel and other form of rewards cards it is variable around 16%. One of the best ways to navigate through credit card debt without facing high penalties or being too stretched financially is to pick a low-interest credit card.
- The Amex EveryDay® Credit Card from American Express
- Purchases Intro Apr0%on Purchases for 15 months
- Balance Transfers Intro Apr0%on Balance Transfers for 15 months
- Regular Apr14.49%-24.49%Variable
- Annual Fee$0
Tips to get the best deals on credit cards
Credit cards help you make easy purchases without financial constraints, especially in the event of tight cash flow. There are many perks associated with credit cards in form of rewards and cash back programs that can help you get a few more advantages over the dollars you spend. However, on the downside, these same cards can put you in a financial jeopardy if you have a high balance pending on your card and the interest rates are too high. In the recent years, the APR for cash back credit cards is variable at around 20% and for the travel and other form of rewards cards it is variable around 16%. One of the best ways to navigate through credit card debt without facing high penalties or being too stretched financially is to pick a low-interest credit card. One of the best ways to do that is by negotiating terms with your bank to aid through the process of lowering your interest rate. While many banks don’t agree to low-interest credit cards, there are still chances you could get a favorable hand if you know a few dos and don’ts of negotiating effectively.
When you set out to negotiate, learn about your credit standing and all other relevant information. You need to show that you know what you are talking about and not just blindly swing your force for trying to get a lower interest rate.
If you are turned down by the telecaller executive, do not give up, politely ask them to put you on to their manager or a higher representative who deals with these issues.
A representative of a credit card company has no authority turn the table for you. So, develop a cordial conversation with them and try to go up the ladder with the communication ring to get a better response. The higher up the chain you are able to talk to, the better will your chances for getting a low-interest credit card be.
When your request to lower the interest rate on your credit card has been declined, do not give up. Try again in a few weeks, or a few months. And if you successfully negotiate a lower interest rate on the credit card, there is no harm in trying to lower it even further after a few months.
When you are not prepared with the facts of your desired credit cards, it’s easier to turn you down with points you may not be aware of.
When your request is declined, don’t just take their word for it. Ask more about the details as to why it was declined or why it cannot be done. Getting an answer will help you be better equipped for future defense.
Keep your facts right, and do not try to falsify facts to paint a better picture of you. Remember, that they have your financial details and your history of the account, getting it will not be a hard task for them.
Keep trying till you get a deal. If none of the plans work out in your favor, it is then, that you should try to shift to a better credit card with low balance transfer and low interest rates.
Sticking to these dos and don’ts will assure you some amount of confidence to navigate through tricky situations. If it works, you get the advantage of lowering your debt and paying up your dues faster.
If you are looking for low-interest credit cards, then here are some apt choices you should consider.
This credit card is available without an annual fee and the introductory offer is that a cardholder has $0 balance transfer fee for any transactions that are carried about during the initial 60 days of taking the credit card. The card holder also gets the advantage of 0% APR for all the purchases and balance transfers for 15 months, after which the APR will be variable between 16.24% and 24.99%.
Citi® Diamond Preferred® Card
Cardholders receive an introductory APR on balance transfers for 21 months. However, balance transfers come with a fee of 5%. Cardholders receive an introductory APR on purchases for 12 months. After the introductory period, the variable APR on both is around 14.49% to 24.49%.
Citi ® Double Cash Card
The cardholder gets unlimited 1 percent cash back when they charge to the card. Moreover, there is an additional 1 percent when you pay for those purchases. Apart from that, the cardholders get 0% introductory APR for 18 months on balance transfers. After the introductory period, the balance transfer variable APR is around 14.99% to 24.99%. There is also a balance transfer fee of around 3%.