Discover Free Credit Cards

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					by: Morgan Hamilton

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?

This article was posted on November 16, 2005

				
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