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Finance > Credit > Credit CardWhat to Look Out for in Low Interest Rate Credit Cards

Posted by nick_niesen in Finance on October 29th Philadelphia 76ers Jersey , 2010

When looking for low interest rate credit cards, there are many factors you need to take into consideration in order to ensure you are really getting a great deal. Many people do not realize that low interest credit cards may not really be as low as they think they are. In fact, these supposedly cheap credit cards may be costing your more than you think.

Finance Charge Calculations

So, you think you have found a great credit card with a low interest rate, right? Well, this might be true Evan Fournier Jersey , but it may not be as cheap as you think it is. Be sure to read the fine print on the credit card and learn more about how the finance charges are calculated. The traditional method for determining finance charges is the Average Daily Balance method. This method best when it comes to saving you money. The Two Cycles Average Daily Balance method, however, can become quite costly if you carry a balance on your card from month to month. And, since you are looking for low interest credit cards, you most likely intend to carry a balance.

With the Two Cycles Average Daily Balance method, finance charges are determined two times during your billing cycle rather than just once. Therefore Aaron Gordon Jersey , you are actually accumulating finance charges twice in your billing cycle. So, while the APR may be low, your finance charges are not because you are paying twice.

Pay Attention to the Grace Period

The grace period is how long you have to pay back what you have borrowed from the credit card before finance charges start adding up. Therefore, the longer the grace period, the less finance charges you have to pay. When looking at low interest rate credit cards, be sure to find out how long your grace period is before you have to start paying. Twenty-day grace periods are the most common. So Orlando Magic Jersey , if you find a credit card with a low interest rate that provides a grace period for this long, or longer, then you have probably found a good card. If the grace period is shorter than this, continue your search until you find one with an acceptable grace period. Obviously, a low interest rate doesn't do you a lot of good if the finance charges begin piling up from the instant you make a purchase!

Consider Annual Fees

Some low interest rate credit cards have annual fees. This is the credit card company's way of compensating for the low interest rate it provides. For the most part, paying annual fees to receive a low interest credit card is not worth it to the cardholder. Shop around some more and see if you can find some cheap credit cards with the same APR that do not include an annual fee. Chances are Dennis Schroder Jersey , you will be able to find one that doesn't make you pay to be a cardholder.

If you cannot find a low interest credit card with the same low interest rate, then you might want to take a closer look at the card charging an annual fee. In this case, you will have to weigh the annual fee payment against your potential interest rate savings. If the annual fee and interest rates are both low enough, then it might be worth your while to apply for the card. Be sure to provide yourself with an honest assessment of your spending habits and how much money you will be able to send to the credit card each month in order to pay off your debt. The last thing you want to do is just give your money away to a credit card company in the form of an annual fee if it doesn't ultimately benefit you financially.

About Appetite Suppressors to Help Reduce Weight Published: 21.06.2008 | Author: Aquila | Category: Weight Loss

Appetite suppressors can be a help during a slimming process. On the market of today you can find both appetite suppressors related to the substance amphetamine and appetite reducers of herbal origin. Appetite suppressors are generally recommended to use together with a diet program and exercise, and only for a limited time period. They are never recommended to use as the only means of achieving a reduced weight.

Substances to reduce appetite have been used since the First World War. Soldiers used the stimulating substance amphetamine both to stimulate their fighting capacity and to reduce hunger. The same was done in the Second World War. After the last war, the civil market began to use amphetamine and related substances to help reduce the intake of food during weight loss efforts.


Amphetamine and related substances stimulate the alertness of the central nervous system and the impulse to external action. When zones of the brain dealing with external action are in high activity Paul George Jersey , signals are sent to zones controlling appetite, digestion and connected functions to reduce their activity. Thus central stimulating substances also reduce appetite. Since these drugs increase the bodily activity, they also help to reduce weight by inducing a higher rate of fat burning.

Some drugs of this group are also used as antidepressant, for example fluoxetine hudrochloride (Prozac).

Being central stimulants all these appetite suppressors also bear a certain risk of developing addiction, and of side effects like insomnia, agitation Russell Westbrook Jersey , manic reactions, hypertension, stroke, heart valve damage and heart rhythm disturbances.

Because of such dangerous effects, many of these substances have been banned from most markets as appetite suppressants, for example amphetamine itself Oklahoma City Thunder Jersey , aminorex, fenfluramine, phenylpropanolamine and ephedrine. However, many of these substances are still used for other purposes, for example to stimulate heart activity and to regulate up a too low blood pressure.

Substances of this group available on the market today as appetite suppresants are: Phentermine, diethylpropion Kristaps Porzingis Jersey , phenidmetrazine, benzphetamine, sibutrami. Cheap Jerseys From China   Cheap Replica Jerseys   Cheap Jerseys China Wholesale   Cheap NBA Jerseys Wholesale   Cheap MLB Jerseys Wholesale   Cheap College Jerseys Online   Cheap Replica MLB Jerseys   Cheap Adidas NHL Jerseys   Cheap Replica Soccer Jerseys   Wholesale Jerseys China