Pay Time Express Magazine - Issue V-6775

 

Pay Time Express Magazine COVER Page
FULL PAGE ADVERTISERS
How YOU Can Advertise
In This Magazine




The Facts about Low Interest Credit Cards

So what are low interest credit cards really all about? The following article includes some pertinent information about low interest credit cards --info you can use to make wise financial decisions.

Trying to save on interest expense? Apply for a low interest credit card and start saving money by paying less interest expense. Low interest credit cards are considered cheap credit cards because they offer 0% Intro APR (annual percentage rate) up to one year. These offers may only apply to the balance transfer and not to new purchases and cash advance. Therefore, making purchases and taking cash advance with your promotional offer credit card may result in paying multiple interest rates. Individuals who are planning to make purchases and carry a credit card balance each month may be better off with low fixed interest rate credit cards. Customers will need to decide if a 0% intro APR or a low fixed APR credit card is better suited for their personal needs. Itís not uncommon for the interest rate to shoot up dramatically after the introductory period expires. Therefore, customers should know what the interest rate will be after the promotional period ends.

The promotional offer or interest free period can save hundreds of dollars in interest expense. During this interest free period no interest is accrued if the account is in good standing. Customers utilize the interest free period to transfer balance from high interest rate credit cards to a low interest credit rate credit cards to save money on interest expense. These cards are also very important for customers who are planning to consolidate credit card loans, make large purchases and carry a credit card balance from month to month. Credit card issuers charge a fee to do a balance transfer. This fee varies from bank to bank so it is a good idea to shop around for the best deal. Individuals with excellent credit score can ask to have the fee waived.

Banks and credit card companies competing for the low interest credit card business offer impressive features similar to standard credit cards. Similar features may be cash back, rewards, bonus miles, no annual fee and more. Therefore, comparing credit card features is very important because it allows you to find the card that meets your lifestyle and one that will save the most money on interest expense. The best way to save interest is to pay the outstanding balance off each billing cycle. Credit card companies usually waived the interest charges if the entire outstanding balance is paid on time each month. If the outstanding balance is not paid in full each month then the credit card companies will charge interest on the entire outstanding balance from the date of each purchase. Many customers are not financially able to maximize their interest savings by paying off the entire balance each month. Therefore the next best way to save on interest expense is to use a low interest credit card to make purchases and carry an outstanding balance.

Itís a common situation for individuals with bad credit to pay credit card companies large fees and finance charges. This situation keeps them indebted to the credit card companies if no action is taken to improve credit score. However, individuals with excellent credit can apply and get approval for a low interest credit card and avoid the burdensome situation of high interest rates and fees. Credit card companies have the option to change the interest rate on your credit card for various reasons such as making late payment, applying for too much credit, making late payments on different accounts or they can change it without any reason at all. Therefore, understanding credit and how to use it wisely is very important.


Low interest credit cards are ideally suited to consolidate credit card debts because of the 0% intro APR or low interest rate offered. It will make monthly payments more manageable and can alleviate the financial problems that come with having too much credit you canít afford. This is an opportunity to get your finances in order and to start managing your credit more wisely. Having less credit card accounts will simplifies your life and eventually improve your credit score. Itís much more convenient to write one check instead of writing several checks each month to various creditors. Debt consolidation is an excellent opportunity to keep you out of bankruptcy and get your finances back on track.

Learning about grace period as it relates to your specific credit card is very important. The grace period is between 20 to 25 days. You have this free period to pay no interest if your payment is credited to your account during that time frame and your account carries no balance. Customerís monthly payment must be received by the creditor during this time frame. Learning about grace period as it relates to your specific credit card is very important. Usually credit cards without a grace period are charged finance charges immediately on new purchases even if your previous month's bill was paid in full.

The internet is the easiest place to find low interest credit cards with online credit card application. Website like www.icreditonline.com offers various types of credit cards. The cards are grouped into different categories. Clicking on low interest credit cards will bring up a list of low interest credit cards. Customers will then be able to compare offers and submit their online credit card application for approval. The internet is very convenient and fast way to apply and submit your credit card application. No more waiting weeks to receive your credit card in the mail. Once approved your should receive your credit card by mail within a few days.

Read your credit card agreement to find out if there are separate interest rates for balance transfer, new purchases and cash advance. Card holders maybe charged a very high interest rate and fees for cash advance or making new purchases while getting the 0% intro offer for balance transfer. Donít let this happen to you. Take the time to read the credit card agreement. Reading and understanding the credit card agreement is of utmost importance because it gives you the knowledge needed to make the right decision.




 

Pay Time Express Magazine
FULL PAGE ADVERTISERS

-00-H-KELLY.pdf
-00-JEANTY.pdf
0-WANT_TO_PURCHASE_MINERALS_&_OTHER_OIL_&_GAS_INTERESTS.pdf
00-A-HOWARD.pdf
00-C-ADAMS.pdf
00-C-PRIDGEN.pdf
00-CALVIN-JAMES.pdf
00-J-GARNER.pdf
00-JC-PATTON.pdf
00-JMARS.pdf
00-LYONS.pdf
00-M-DERRICK 2.pdf
00-M-DERRICK 3.pdf
00-R-MIZER.pdf
00-R-RAGLAND.pdf
00-RJ-LYONS.pdf
00-S-EISON3.pdf
00-S-SMITH.pdf
00-Vaught.pdf
00-W-SMITH2.pdf
00-w-powell2.pdf
00_OIL_&_GAS _INTERESTS.pdf
01-D-Foley.pdf
01-DEL-PILAR.pdf
01-J-HURLEY.pdf
01-K-BOVIN.pdf
01-L-SMITH.pdf
02-R-MIZER.pdf
09-JC-PATTON.pdf
11-Dalton 10 2019.pdf
92-ANTHONY-JOHN.pdf
92-DANNY-DEJESUS.pdf
93-w-powell.pdf
95-C-BUSTAMANTEZ.pdf
95-C-PRIDGEN.pdf
95-D-CANYON.pdf
95-FORCE-MARKETING final.pdf
95-R-CUTTS.pdf
95-S-EISON.pdf
95-S-EISON2.pdf
99-AARON-BRYANY.pdf
99-Brite-Star.pdf
99-Brite-Star2.pdf
99-D-BROWN.pdf
99-DALTON-BLUETOOTH INNOVATIONS.pdf
99-DALTON-WANTED POSTCARD MAILERS.pdf
99-G-MARTIN.pdf
99-J-HURLEY-2.pdf
99-J-OWENS.pdf
99-JCPatton (2).pdf
99-JCPatton.pdf
99-JJ-GARNER.pdf
99-P.L. CARTER-MAKE MONEY MAGAZINE.pdf
99-Slaton-Eison.pdf
99-WANT_TO_PURCHASE_MINERALS_AND_OTHER_OIL_&_GAS_INTERESTS.pdf
99-a-atkinson.pdf
99-d-balderstone.pdf
99-m-derrick.pdf
IMDA-MEMBER-LIST-99-LABEL-READY.pdf
Your-2020-ADSHEET-DIRECTORY.pdf
mail order report.pdf

 

WANT TO PURCHASE
MINERALS AND OTHER
OIL/GAS INTERESTS.

Send details to:
P.O. Box 13557
Denver, CO 80201


Current Issue of 12/04/2022

200 MONEY MAKERS.
EASY WORK AT HOME!

200 Excellent Money Making easy work at home opportunities for women! 20 page booklet. Send $8 money order to:
Universal Market Source,
P.O. 11608,
Merrillville, IN. 46411

231


THE MAILBOX MAGIC!

Receive AD with YOU in #1. Start by Mailing $10 to Each Member. You will be in #2 & #4 in your recruit's Ads.
1. Cergine Cator
1327 NE 125 St.
N.Miami,FL 33138
2. Gerard Jeanty
12035 NE 2nd. Ave 3315
N.Miami,FL 33138
3. Akiko Frazier
98-838B Kaonohi St.
Aiea, HI 96701
4.Gerard Jeanty
12035 NE 2nd. Ave 3315
N.Miami, FL 33138

141



84


YOU CAN EASILY RECEIVE A SECRET...
$20,000.00 GIFT!

That You Are Not Required to Ever Pay Back!
www.Top-Video-Ads.com/video41

134


WANTED!
CLOSEOUT-FINDERS.

Work In Your Spare Time From Home.
Earn $1,000+ Weekly.
NO Selling.
Free Report: Call 1-800-943-7203
Or
Visit Our Website At:
www.easyprofits123.com
Ref. Code 56035

23


HOW TO MAKE A MILLION DOLLARS!

Send $5.00 Cash + Your Name &
Address for my Five Page Plan.
It Works. Try It. Mail to: ALLEN
600- 18th. Ave. N # 217E, Minneapolis,MN 55411

70


WOW!

$100 One Time Turns Into
$21,000 Over and Over Again!
This is a Special Invitation
for You to Join One of the Best
Gifting Programs Ever!
Send LSASE Today for
Complete Details!
GERALD CRAYTON
1945 N. Enochville Ave.
China Grove, NC 28023

20


*HOW*
To Get One Million
People
To Send You $2.00

LEARN MY EASY METHOD!
Plus Receive Proof This Method Works.
Rush $2.00 & LSASE To:
R.L. Traylor
PO Box 3503
Gardena, CA 90247

119




85


MERCHANT ACCOUNT

Interested in switching your merchant
account or setting up a new account.
Visit NOW! Mention ID # 16425
www.MrpREBATE.com

16


DISTRIBUTORS WANTED!
MAKE UP TO $10,000 MONTHLY
GIVING AWAY
FREE PRESCRIPTION DISCOUNT CARDS

which save people up to 87% at over 54,000 pharmacies nationwide! For a complete information packet, send this ad and $1.00 to:
ALLIED CONSULTING
PO BOX 111124
AURORA,CO 80042
Attn: RxCut-SCAB-1

152


WANT TO PURCHASE
MINERALS AND OTHER
OIL/GAS INTERESTS.

Send details to:
P.O. Box 13557
Denver, CO 80201

0


VISA/MASTERCARD

No Income Or Credit Check!
No One Refused!
For Application, Send #10 S.A.S.E to:
JAY ENT.
1508 STAFFORDSHIRE DR.
CHARLESTON, SC 29407-6508

32



100


DISTRIBUTORS WANTED!
Make up to $10,000 Monthly
GIVING AWAY FREE PRESCRIPTION DISCOUNT CARDS

which save people up to 87% at over 54,000 pharmacies nationwide! For a complete information packet, send this ad and $1.00 to:
ALLIED CONSULTING, PO BOX 111124
AURORA, CO 80042
Attn: RxCut -SYM-1

150


EASY WAY TO BIG EBAY PROFITS!


35


ATTENTION HOMEOWNERS!

COLLECTING PAYMENTS BUT PREFER CASH NOW?
CALL 505-333-738
VILLERS FINANCIAL SERVICES.
SE HABLA ESPANOL.

213


"AMAZING NEW PROGRAM"

Pulls Orders Like Crazy! For Details Send A #10 S.A.S.E. to:
JOE BAKER
2726 WASHINGTON AVE.
BEDFORD, IN 47421

204


NEED EXTRA MONEY?

Write For FREE INFO On Earning
BIG BUCKS AT HOME!
And I Will Mail It To You ASAP.
Send S.A.S.E. To:
BRIAN ARENDELL
PO Box 20783
Portland, OR 97294

29



208



222


HOME BASED BUSINESS

Start An Information - Mail Order Business -Home! Money Come To Mailbox - Reprint Rights. Free Details. Hurry! Send $1.00 + 2 F/C Stamps To:
McNeal - SC255
POB 490443
Chicago, IL 60649
1(800)631-8233.

139


CUT MORTGAGE PAYMENTS IN HALF!

www.themtgmanager.org/aff/8203 - Leroy Taggart
www.themortgagemanager.biz/8203-Leroy Taggart
www.themortgagemanager.biz/backoffice

87



214




    


images_article



images_horiz_220x90



images_horiz_468x60



images_horiz_728x90



ad_images_mini



images_square

images_vert


Pay Time Express Magazine

Pay Time Express Magazine - COPYRIGHT © - ALL RIGHTS RESERVED