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American Express and Credit Cards American Express is one of the well-known card providers that offer low APR. The introductory is 0% APR up to 15 months on some cards, and includes low balance transfer APR. The transfer is 3.99% fixed rates for life on few American Express cards. Few cards offer free reward programs enabling the cardholder to earn points and redeem the points for products, travel, hotels and so forth. Many of the cards offered have no annual fees. The Citi Platinum Select has 0% APR introductory on purchases and balance transfers. The 0% APR will not be relevant to cash advances on some cards. If the cardholder fails to make payments on time then the 0% may be subject to change. Few cards have no annual fees or balance transfer fees during the introductory. Chase cards have a 5% on purchases and 0% APR up to one year. The cardholder can receive 1% cash back on additional purchases. Chase like many other cards offer a variety of cards; therefore, you should review them all before making a decision. HSBC MasterCard Offer an assortment of manufactured goods to choose from if the cardholder qualifies upon the completion of the “Pre-qualified form.” Few cards offer 0% APR and may not apply to the cash advances. If the cardholder fails to make payment during the introductory, or else goes over the cards limit, the APR may increase up to 18.74%. Other fees are included on balance transfers. Be sure to read all details on any credit card considered to avoid overcharges. Discover Platinum Cards also offer 0% APR introductory up to one year. There are no annual fees, 5% cash rewards, 0% fraudulent liability and limitless cash rewards of 1% on other purchases. The card lenders offer double rewards to customers purchasing products from name brand companies. Stop right here! If you are paying twice the amount for a similar product at full price, the double rewards may not be worth your time. In other words, if you buy name brand clothes you will pay nearly double, or triple sometimes for the product. Therefore, you are spending more than you will make back in most instances, and then you will pay APR charges on the purchase. The card lenders may also charge fees on banking processes or internet purchases therefore make sure you read all information about the card before applying, since some card companies offer misleading information. Some of the misleading slicks may include, FREE online accounts. Some American Express lenders offer 0% APR introductory, no annual fees, flex pay, and low balance transfers up to 4.99%. Notice this type of card has „flex pay.‟ Flex pay cards are great, since if you do not have the cash when the payments are due you can pay minimum without suffering penalties. The rates on transfers are not as steep as some other cards. AT&T Universal Platinum Cards offer additional benefits that many other cards do not. The card starts cardholders‟ out with 0% APR on purchases and balance transfers up to one year. The card enables cardholders‟ to save money on their phone bills, and offers „2- free directory assistance” plus „30-free‟ minutes on phone calls each month. This means the cardholder can use the phone 30 minutes each month to call anywhere he/she likes. The Protection against Fraud is also rewarding, since the liability is zero. The company will send early alerts if the card has been violated. The cardholder also has coverage on wireless phones, including coverage for loss, or theft. The company will reimburse the cardholder. AT&T offers Internet “account management, 24-hour customer support, and free annual summaries on accounts. Here is the downside on a well-rounded card that appears to offer extreme rewards. There are stipulations on wireless phone coverage. This means you may be liable to pay fees if the phone is replaced. The Variable rates after the introductory has ended are relatively low. The APR is 10.63%. Cash advances include APR up to 21.63%, which is high. Defaults are subject to high APR charges, up to 31.13% and other charges are posed in the AT&T agreement.
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