Is there really such a thing as 0% credit cards? Well, every credit card will cost you something in the long run, but when you hear the words 0% credit cards they are normally talking about the APR.
You can find several companies that offer 0% credit cards. These credit cards are from companies that do not charge any type of annual fee just for being a cardholder. These credit cards are normally given to people that have excellent credit scores such as no late payments, no bankruptcies, etc…
However, you will be glad to know that even with no so great credit you can still get a 0% credit card if it is only for a limited time. Several credit cards companies offer incentives to get you to be one their cardholders. Many times this is in the way of a 0% APR for the first 12 months that you carry their card. This usually means that you will not be charged any fees for your first 12 months. However, in order to keep it at 0% you must pay off the balance that you spend in those first 12 months. This will in essence make your credit card a free one for at least one year.
You may now be wondering how you can get one of these 0% credit cards. Well, the answer is pretty simple. You must apply. There are several ways in which to apply for a 0% credit card. You can apply online, on the telephone or fill out the application and mail it in to the company.
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