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Getting low APR credit cards that do make a difference

[Thursday, March 10th, 2011]

With technology developing in leaps and bounds each passing day, credit cards have become an integral part of our wallets. There are innumerable credit card lenders in the market fighting tooth and nail to increase the customer base. One of the strategies that have always worked in their favor is providing low APR credit cards.

Most of the banks proclaim the fact that they offer the credit cards with highly competitive APR, but only few stand good to their claim. With this being the case, customers need to be very careful while applying for low APR credit cards in order to get the right one they are looking for.

The first thing to check with the lender when you are being offered a low APR credit card is the duration for which these rates are applicable. This is because in most cases, the low APR is only offered during the first 6 to 12 months, after which the regular APR comes into effect. Checking the annual fees and other fees associated with the card is also recommended, since there are a few lenders who make up for the low APR by charging very high fees. Opting for such cards will not make any difference because what you save with the APR will go towards paying the fees.

Finally, utilize the fact that there are many lenders vying for new customers. Shop around extensively and you are sure to find offers that can indeed help you save more.

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