Low Interest Credit Cards

The number of credit cards offering a standard long-term APR – cards that offer a lower rate over the long term without any introductory 0% offers – has fallen by 35% over the past five years, according to new research from Sainsburys Credit Cards.

The findings show that card providers have continually increased the length of their longest 0% balance transfer or purchase deals during the past five years, whilst reducing the number of standard long-term options available. Five years ago there were 62 cards available (44.0% of those on the market at the time) that offered long-term rates on purchases with no introductory offer. Now there are just 41 cards available with only a long-term rate on purchases (34.8% of those on the market).

Sainsburys Credit Cards is encouraging people to remember that while there are some very attractive introductory offers available, often people forget that when their rate runs out, their remaining balance will move to the go-to rate on the card.

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Is it time to pop the question?  Looking to buying mom that little something special for her big day coming up?

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Conventional wisdom has it that if you want to save money at the pump, you swear your loyalty to one station, and in return you get a better discount than if you’d just gotten a generic gas card. But this is one of those times when conventional wisdom is incorrect: based on a NerdWallet analysis of 5 major gas credit cards and 10 no annual fee, generic gas cards, the generic ones can beat station-branded cards even at their own stations.

But if station-branded rewards rates are so low, why do people still get – and recommend – those cards? The problem is how the rewards are presented: as cents-per-gallon discounts rather than percentage terms. Offering 5 or 10 cents off per gallon sounds appealing, especially if the discount will bring the price down below the $4 mark. But let’s put those discounts in dollar terms. If gas

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When planning to get a mortgage, there are several ways in which you have to to and be sure of before going ahead and applying for one. If you want your mortgage application to go out and be processed fast, then you will need to make one and a simple application. Dealing with multiple mortgage applications could make the whole application process a mess and take longer than you expected. If you plan to go through a mortgage broker in the United Kingdom, you have to be sure that you understand his terms of service and the rates that he will be giving the loan at. To save your money when looking for mortgage companies and brokers, it is considered wise if you go to multiple of them then taking their terms and rates with you to compare.

When you do this, you will have the highest chance of comparing them out and singling out to once company that will give you the lowest rates and the best terms of service. Read more…

For many Americans out there struggling with credit card debt, it would be nice to know there is a little bit of relief out there.  How about 18 interest free months?  If that draws your attention, check out the Citi Diamond Preferred Card which offers just that.

The Citi Diamond Preferred Card provides a big benefit for those not just struggling with current credit card debt, but those that are looking to be proactive about negating their card debt all together.  For those with debt, the payments can be long lasting and seemingly never ending, but with 18 full months at 0% interest, those monthly payments will suddenly start to show some progress to ridding yourself of that debt.

However, it is worthy of note that to transfer your balance, youll have to pay 3%  of your total transfer on top of it as your balance transfer fee.  This is a standard fee but one you must be aware of before signing up for this card.

Not only do you not have to pay any interest on your balance transfer but for all of your purchases on the Citi Diamond Preferred Card for that same 18 months.  Couple that with no annual fee for use of the card, you can reap the benefits of being Citi Diamond Preferred cardholder at no cost to you every year.  The standard interest rate after the intro period expires is 11.99% 21.99% variable, depending on the applicants credit history.

• Complimentary Concierge Service 24/7 Assistance on booking your flight or hotel or even if you wanted to buy concert tickets.
• Extra Cash from Citi Earn 10% back on your purchases on the Citi Diamond Preferred Card.  This isnt a bonus points/miles system, but more of an incentive to make your online purchases on the Extra Cash website.  The amount can be applied as a discount at the end of your purchase.
• Citi Private Pass Get access to special VIP sections, presale ticket sales,and more as a Citi Diamond Preferred cardholder with Private Pass.
• Price Protection How many times have you gone out to a store, purchase an awesome new toy, only to see it on sale a month later.  As a Citi Diamond Preferred cardholder, if you find a product at a lesser price within 60 days of your purchase, you can get a refund of up to $250.
• Auto Rental Insurance For the travelers out there, rent without worry, as Citis got your back in case of something out of the ordinary happens in your travels.
• Extra Protection against identity theft with the ability to have your photo on your card.  Also, if you dont authorize a payment on your card, you are not responsible for it.  Citi Diamond Preferred cardholders also have the benefit of emergency card and cash replacement to make sure you get the rest of your important wallet items back as soon as possible.

Despite not being a cash back or miles card, the Citi Diamond Preferred Card is the real deal as a balance transfer card.  Its extended period of no APR is as good as it gets.  This is vital for those struggling with current debt or wanting to knock that balance down in a hurry.  All that with the benefits of being a Citi Diamond Preferred cardholder and this card is worthy of the hype that comes with it.  It is one of the best options out there for you if youre looking to kill some debt and have a have solid, steady card by your side.