free 3 credit report - rating score » Intro Rate http://free3creditreport.net learn about your three credit reports: experian - transunion - equifax Sat, 19 May 2012 17:33:37 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 i have a credit account with an annual percentage rate of 29.99% (it’s a dell account)? http://free3creditreport.net/credit/i-have-a-credit-account-with-an-annual-percentage-rate-of-29-99-its-a-dell-account/ http://free3creditreport.net/credit/i-have-a-credit-account-with-an-annual-percentage-rate-of-29-99-its-a-dell-account/#comments Sat, 30 Oct 2010 05:45:22 +0000 admin http://free3creditreport.net/credit/i-have-a-credit-account-with-an-annual-percentage-rate-of-29-99-its-a-dell-account/
gigi726 asked:


should i open up a new credit card account with 0% intro rate and transfer the balance from the dell. i’m trying to rebuild my credit and have 3 credit cards already. i always pay on time. my credit score is rising slowly but surely. i also have alot of inquiries on my report, so i’m trying to not have my credit report looked at at all. is the few points my score will down worth opening a new card to transfer the dell balance to? that interest rate is KILLING me! does anyone know who i should call or contact to ask for financial advice for cheap or free.

Lauren
]]> http://free3creditreport.net/credit/i-have-a-credit-account-with-an-annual-percentage-rate-of-29-99-its-a-dell-account/feed/ 5 Interest Free Balance Transfers http://free3creditreport.net/finance/interest-free-balance-transfers/ http://free3creditreport.net/finance/interest-free-balance-transfers/#comments Thu, 22 Jul 2010 12:59:27 +0000 admin http://free3creditreport.net/finance/interest-free-balance-transfers/
Tom Tessin asked:




Let’s say that you have a larger car loan, or maybe a credit card that’s charging you around 19%. We all know that it’s going to feel like ages before you can pay it off. Thankfully for balance transfer cards, you’re going to find that you can transfer a balance and not pay any interest at all.

Who are balance transfer cards great for?

These cards are great for those that are looking to transfer larger balances. As long as you can pay that card off within 12 months, you should be safe. The reason I say this is because once the introductory period is up, the interest rate is going to go up like any other card, and most likely, you’re going to be paying 15%+ in interest once again.

What should I look for in a balance transfer card?

The fees - Even if it says 0%, what you’re going to want to do is make sure that there isn’t a transfer fee. Trust me, some banks will want to be sneaky. This fee can be anywhere from 1% to 10%. This is going to be a one time fee. While many banks don’t charge this, you will want to check, just to make sure!

How long? The longer you can get the introductory rate, the better it is going to be for you. You don’t want to sign up for the card and find out that the rate is going to last for 3 months. I would recommend that you find one that lasts for at least 12 month.

Are there penalties? If you don’t pay your bill for example, are they going to cancel your intro rate? What you’re going to look into is if you’re going to have to be on your best payment behavior. You don’t want to miss a payment on accident and find out that your balance transfer is cancelled.

Not only do you want to get a card that helps you with balance transfers, you’re going to potentially get a card that’s going to help you in the future.

I, personally love a card thats going to reward me. I’m going to want a card that’s going to reward me with my spending. Now you probably may be different, but don’t get it just because the balance transfer offer is great. Check out bank websites, credit card offer comparison tools, and more!

Keith
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