A no-interest intro card with a high ongoing rate may be more costly for users than a card with absolutely no special intro rate.

These cards are typically great if you need only a few months to pay off debt, especially for the cards which increase to an overly high ongoing interest rate. Some cards offer 0% for three months, some 0% for six months, some 5% for three months, etc. Special introductory rates: Cards with intro rates also vary on the interest rate and length of the special rate. You’ve got to weigh the good with the bad. So don’t just look for no annual fee cards and those with no account fees. But fees may not be bad if you receive a higher trade-off such as very low interest. Advantages and disadvantagesįees: Some cards charge fees while others don’t. Yet there are some key issues to be watchful for, and those include fees, introductory rates, ongoing interest rates, and rewards. To make matters worse, you cannot fully grasp all the ins and outs of each card unless you read that small, fine print for each and every one of them.

There are hundreds of credit cards to choose from, so that alone makes choosing the right card for you even more difficult. Those differences can include credit rating approval requirements, credit limits, fees, intro periods, rewards, and interest rates. Aside from up-front security, unsecured cards can vastly differ. An unsecured credit card has no collateral requirement or other type of deposit.

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