Finding a zero APR credit card deal is not difficult these days. It seems every day brings two or three new offers in the mailbox, and you can’t turn on the television without seeing commercials for special zero APR promotions.

The truth is, credit card companies are facing serious competition these days, and this is turning out to be a great thing for consumers. With so many different cards competing on interest rates, rewards points and other perks, the introduction of the 0% APR “trial period” has helped some companies stay afloat in an increasingly competitive market. (more…)

Nowadays, nearly everyone receives credit card offers in the mail. All of these credit card offers promise great things to those who sign up. Remember the credit card offers you have received over the years? They all profess that they are the perfect card for you.

These credit card offers are all great — at first glance. The more discerning ones can see right through the tactics and ploys of many credit card companies. Still, many are lured by the promises in large print; once the deed is done and they are the proud owner of a new credit card, they soon realize the error of their ways. (more…)

The average American home has at least one household bank credit card and recent estimates place that figure at 81% of households. The growth of the credit card industry continues even as other sectors of the economy seem to be slowing down.

Reasons vary for obtaining a credit card but many people use credit cards as a manner of convenience—both in shopping without needing cash and tracking purchases. Many credit card companies offer a summary of spending in various categories such as groceries, restaurants, airlines, etc. which can assist customers with personal accounting. (more…)