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0 Apr Business Credit Card

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The lower your business expenses, the higher your profits. It???s that simple. So if you can avoid paying monthly interest charges even for a limited period, wouldn???t you grab the chance? It???s possible to save hundreds, even thousands of dollars by transferring the balance of your current business credit cards to 0 APR business credit cards. The money you save can be invested in profit producing activities or can be sheer profit that you can spend however you want. It???s up to you.



Lenders are trying to get your business and to do so, many of them are willing to offer introductory credit cards to entice you to transfer your current balances to them. These special offer cards offer zero or low interest rates for a specified period of time. Look for 0 APR business credit cards that have a decent introductory period to gain the most benefit. Ideally, your special offer cards should benefit from a low or zero interest rate for at least twelve months.

When choosing between 0 APR business credit cards it is also important to choose a card with the lowest balance transfer fee, lowest ongoing fees, charges and penalties as well as the lowest normal interest rate once the introductory term is over. Take the time to read the terms and conditions of any card you are considering so that you can make a truly informed decision.

The internet makes searching for the best 0 APR business credit cards far easier and quicker than ever before. In particular, specialist balance transfer and introductory offer websites can save you a great deal of time. This is because they do all the initial groundwork for you and present you with a range of already vetted introductory offer cards. Generally speaking, these sites also offer a great deal of relevant information about credit, debt and financial management as well as an online application option. This convenience saves both time and money and makes the decision to transfer your credit card balances an easy one to make.

Most businesses fail within the first five years of start up and the main reason for this is that they spend more than they earn consistently. To give yourself every chance of succeeding in business, it is important to control spending and to ensure that expenses, for the most part, generate income. Limiting or avoiding interest payments on credit cards can be an important way of doing this.

To find a credit card comparison website that offers 0 APR business credit cards, you simply have to do an internet search for ???introductory credit cards,??? ???balance transfer credit cards,??? or ???zero rate business credit cards.??? You will find a range of specialist websites to choose from. The most helpful of these will offer informative articles, comprehensive comparisons and online application. Once you have carefully compared loans and found the longest introductory term and the lowest fees and charges, you can apply online. Many sites offer quick conditional approval dependent upon your ability to prove the statements in your application. This means that your business could soon be saving lots of money. The sooner you do it, the better off you???ll be.
0 Apr Business Credit Card
If you are struggling with ever-increasing credit card debt, a 0 APR credit card could be the magic wand for you. There are a number of 0 APR credit cards in the marketplace. These 0 Interest credit cards offer cardholders zero percent on new purchases and certain 0 APR credit card offers also allow balance transfers, lowering the interest burden even further.

The Truth About 0 APR Credit Cards

These types of 0 APR credit cards are offered by popular credit card lenders including American Express, Citibank, Chase, HSBC, and Discover. These cards have many benefits to offer if you have a good to excellent credit rating.

Keep in mind, that the zero percent offered with these cards is not permanent. It is an introductory rate and is typically offered for ninety days to as long as 12 months. At the end of the interest-free or zero percent periods, cardholders will have to pay a higher ongoing interest rate. Generally, these rates could vary between 10 % - 14% and sometimes can be as high as 24%.

A 0 APR credit card is ideal when you want to purchase something expensive but cannot find another way to finance it. There will be no interest charges for the in and you will have the introductory buffer period to pay off the expense. But buyer beware ... make sure you can pay the purchase off before the introductory APR expires.

Most 0 Interest credit cards allow balance transfers from your existing higher interest cards and many will waive the transfer fees. This is one of the best methods to pay off debts at a faster rate, leading to substantial savings on the interest charges incurred.

It is possible that a single credit card can have multiple APRs including the following:

1) One APR for balance transfers, one for purchases, and one for cash advances ? the APR normally would be higher for cash advances compared to balance transfers and purchases.

2) Tiered APRs ? Different APR levels can be assigned for different account balance levels or tiers, e.g., 15% for balances between $1 - $500 and 17% for balances higher than $500, etc..

3) Introductory APR ? 0 APR as the introductory offer and a higher rate upon expiration of the introductory period.

4) Penalty APR ? A penalty APR rate may apply if you are late with your payments.

The Traps to Watch Out For:

A 0 APR credit card is an attractive proposition, and often is too tempting an offer to resist. However, it is essential to be informed about the often-untold catches in these lucrative offers.

1. The 0 APR is a Limited Time Offer ? In general, the 0 APR offered is only for a limited period. The period could vary from 3 months to 12 months. This implies that purchases made during this period will not attract any interest. You need to be cautious about the expiry period and remember to pay off before the period ends inorder to avoid hefty interest charges.

2. Once the introductory period is over, the 0 APR credit card may have a ridiculously high interest rate like 20% or higher.

3. On-Time Payment ? Most of these 0 Interest credit cards require you to pay the minimum payment on time every month during the introductory period. Late payments will result in penalties that include shifting the remaining balance to a much higher APR.

4. Complete Payment ? Certain 0 APR cards require you to pay off the balance entirely before the expiration period of the introductory offer. If not, the default high interest rate could be applied to the entire balance. Ensure that you understand these credit card terms clearly.

5. Applicability of the 0 APR ? Most of the 0 Interest cards offer the 0 APR on new purchases and balance transfers in the introductory period. However, there are some cards that offer 0 APR on balance transfers only with higher applicable APR's on new purchases.

6. Other Fees ? Some credit card companies compensate the 0 APR by charging high annual fees or transfer fees on balance transfers.

7. Cap on Balance Transfer ? Certain cards may have a cap or limit on the balance transfer amount. This means that the 0 APR will apply only for the amount within the cap limit and anything more will be charged the default higher APR.

While it may be an attractive offer to go for 0 APR credit cards, it may not be a wise decision in certain scenarios. So, before you seriously consider a 0 APR credit card, it is essential to compute credit balances, interest rates, and your pay off capability. Read the terms and conditions carefully to avoid credit traps. Understanding the fine print could have substantial savings apart from trouble free credit rating.
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About Author
Both Ben Needles & Robert Alan are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Ben Needles has sinced written about articles on various topics from Business Credit Cards, Anger Control and Business Credit Cards. About the Author (text)Gordon Goodfellow's http://www.credit-card-transfers.com/how-to-get-0-APR-busi. Ben Needles's top article generates over 550000 views. Bookmark Ben Needles to your Favourites.

Robert Alan has sinced written about articles on various topics from Credit Cards, Business Credit Cards and Credit Cards. For more information on what to watch for in 0 APR credit card offers, Robert Alan recommends that you visit CreditCardAssist.com.. Robert Alan's top article generates over 110000 views. Bookmark Robert Alan to your Favourites.
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