In present times http://www.onlinecheapjordans11.com/ , credit cards have become more of a habit than a facility. With a large number of banks available in the market we can easily get a credit card for ourselves. But the question no longer exists about having a credit card. The necessity of the situation is having a card with low interest rate (Obviously you do not want to shell out half of your hard earned money on the interest amount!). But what if you already have a credit card and are paying a huge interest rate?


Does that mean you do not have the right to enjoy low interest rates? If yes, then think again. May be this is not the end of road for you. Yes, you got me right Cheap Jordan 5 , you still have many options. First of all let us have a look at how can we increase our chances of getting a low interest credit card.


Increasing Your Chances of Getting A Low Interest Credit Card


Everyone loves to have a credit card with a low interest rate. But have you ever wondered that how can you increase your chances of getting a low interest credit card? The answer is pretty simple. But before knowing that, you should be aware of the term “credit score”. It is basically a number given to you based on your previous records which tell about your credibility. Now higher is your credit score, more likely you are to get a low interest card.


Choosing the low interest credit card


Once you have made up your mind for getting a low interest credit card Cheap Jordan 6 , you should keep certain things in mind. First of all, do not just blindly accept the offers that have been sent to your mail. Doing a little research always helps. You should always get details about various companies as there is a huge difference between what different companies are offering. Hence it is always better to compare and then only opt for a credit card (after all you do not have to do it again and again). Once you have chosen your low interest card you can get the balance transferred on this from the earlier card. The whole process is referred to as balance transfer. Let us have a look at this phenomenon.


Balance transfer: A solution if you are paying a high interest rate


If you feel you are paying a high rate of interest, then balance transfer is at your service. All you need to do is have a credit card with low interest rate and get the credit transferred. In such cases the credit limit of your new (or rarely used) card will decrease in accordance to the balance transfer. Let us understand this with the help of an example. Suppose you have chosen a balance transfer worth Rs 15 Cheap Jordan 4 ,000 and the credit limit for your new card is 25,000 then your effective credit limit will be 10,000 (this will be your new credit limit).


Remember that the balance transfer you have opted for should not be more than 80% of your credit limit. Also when you opt for a balance transfer an interest rate is charged from you (it is generally very less than the interest rate you are already paying). However there are bankscompanies which offer you 0 interest on balance transfers. But you should be careful as this is offered generally for an introductory period of around (6-18 months) and after that you need
to pay a normal rate. Some people try to switch between different credit cards to enjoy the low rates but this habit should not be encouraged as this would result in a lowered credit score for you (which can create problems in getting more credit cards in the future).


So now that you know the various facts about getting a low interest credit card and its benefits Cheap Jordan 1 , you can do some research and choose your pick!

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