zero percent credit cards

Chase Slate credit card

2009-11-02T10:38:00.000-08:00

Chase has an new credit card product called Slate, featuring BlueprintSM, which allows you to better manage your payment options.

Full Pay lets you assign which everyday purchases you would like to pay in full every month. Split Pay lets you spread a large purchase over several payments. Finish It allows you to pay down your balance faster.

Chase Slate also offers 0% for 12 months on purchases and balance transfers, and has Patented Fraud Protection, Zero Liability on Unauthorized Purchases, E-mail and text alerts, and No Annual Fee.

Compare all of the Chase credit card products at:
http://www.zeropercentcards.com/cards.asp?catid=14
Apply for your Chase Slate card today!

0% Balance Transfer for 12 Months!!!

2009-09-17T14:35:00.001-07:00

Finally, there is once again a credit card which offers 0% on balance transfers for 12 months; the Discover® More(SM) Card - American Flag
This card also offers 0% on purchases for 6 months, 20% Cashback Bonus when you shop online, and double rewards with more than 100 Cashback Bonus partners.
Apply for the Discover® More(SM) Card - American Flag today at zeropercentcards.com!

IBERIABANK Visa® Select

2009-09-14T07:07:00.000-07:00

The IBERIABANK Visa® Select has a fixed introductory rate of 8.75% for 12 months from date opened on purchases and balance transfers. The intro rate on balance transfers is valid for all transfers processed within three months of your account open date, and NO transaction fee for balance tranfers.
The IBERIABANK Visa® Select has a low ongoing variable rate APR after introductory period of Prime + 5.5%, and a 25 day grace period.
All IBERIABANK cards have online access to credit card account information.
Apply for the IBERIABANK Visa® Select today!

Escape by Discover® Card

2009-05-15T10:30:00.000-07:00

Check out the new Escape by Discover® Card! You get 25,000 bonus miles, or 1,000 miles each month you make a purchase in the first 25 months. Book any travel, ANYTIME, with no blackout dates or restrictions. Double miles are earned on all purchases, which you can redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles.

Apply for the new Escape by Discover® Card today at http://www.gozeropercent.com or http://www.zeropercentcards.com today!

0% Balance Transfer Credit Card Offers with NO FEE!

2009-05-08T11:28:00.000-07:00

If you hadn't already noticed, it is getting increasingly difficult to find 0% balance transfer credit cards that don’t charge a transfer fee. In fact, as far as we have seen, there aren’t any fee-free, 12+ month 0% balance transfer promotions being offered any more. Here are the only fee-free 0% balance transfer offer promotions that we know are still available as of this date:

IberiaBank Visa Gold Cash Back Rewards Card
IberiaBank Visa Platinum Rewards Card
IberiaBank Visa Classic Card
Pulaski Bank Visa Card
Pulaski Bank Gold Visa Card

All 5 of the above cards have NO BALANCE TRANSFER FEE, and 0% for 6 months.
You can find these cards and more at http://www.zeropercentcards.com/ or http://www.gozeropercent.com/

Citi® ForwardSM Card

2009-05-07T07:54:00.000-07:00

Citi® has created a new credit card product which rewards responsible credit behavior. You get a 2% APR reduction when you use your card for purchases, stay under your credit line, and make timely payments for 3 months in a row. You also get 0% APR for 6 months on balance transfers and purchases. Now you can save money on interest and be rewarded for responsible credit as well! Check out the Citi® ForwardSM Card today at http://www.gozeropercent.com/

Biodegradable Discover® More Card

2009-05-05T09:46:00.000-07:00

Discover has created a biodegradable credit card! This card will biodegrade within 5 years while in landfill conditions. It also offers 0% Intro APR for 6 months on purchases, and 12 months on balance transfers. Now you can save money on interest and be kind to the environment as well! Check out the Biodegradable Discover® More Card today at http://www.gozeropercent.com or at http://www.gozeropercent.com/redir.php?id=33

Household and Orchard Bank cards return!

2009-03-03T09:15:00.000-08:00

The Household and Orchard Bank cards from HSBC have returned!

If your credit is a little beat-up, then these unsecured cards are for you. They even have an introductory 0% APR for 6 months on purchases and balance transfers!

Check these cards out at http://www.yocredit.com

Do you have good to excellent credit? If so, then check out the credit products at http://www.zeropercentcards.com

Are there any more credit cards with NO BALANCE TRANSFER FEE?

2009-03-01T17:22:00.000-08:00

Are there any credit cards still available with no balance transfer fee? It seems that most credit cards are charging a 3% balance transfer fee with no maximum fee, which can result in a high charge to transfer big balances.

Fortunately, there are still a few cards out there with zero balance transfer fee. The Iberia Bank and Pulaski Bank credit cards are still fee-free. Check them out at http://www.zeropercentcards.com/cards.asp?catid=33 or log onto zeropercentcards.com

How to raise your FICO score

2009-02-11T07:05:00.000-08:00

The rewards of raising your FICO score directly impact your wallet: You will qualify for more loans and will be offered better interest rates. Here are a few things you can do to raise your FICO score, which in turn, saves you money on your interest rates on loans:

Correct blatant mistakes. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan. Report any inaccuracies to the credit bureaus so that they may be corrected or removed. Changing a mistake on your report takes time. Get your federally mandated, free credit report at http://annualcreditreport.com and start the process on removing any inaccurate data.

Pay your bills on time. This makes up a whopping 35% of how your FICO score is calculated.

Reduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit.

Raise your credit limit. A large portion of your credit score is determined by calculating how big your monthly bill is compared to the maximum amount of credit you can use. To make this debt-to-credit-limit ratio look even better, call up your credit card issuer and ask for the limit on your card to be increased. If you have been paying your bills on time, they will gladly do this for you.

Do you need a new 0% interest credit card? If so, then go to http://www.zeropercentcards.com

Keep a "clean card' in your wallet

2009-02-03T07:27:00.000-08:00

This blog entry plays on a similar strategy to a previous entry, where it is noted that you should never close your unused credit card accounts.

Always keep a "clean card" in your wallet, i.e. a credit card that is paid in full each month. Use this card for your everyday purchases, and pay it off each month in full, so you never have to pay any interest charges.

What is the advantage of using a "clean card" for your purchases instead of paying cash? Well, if your "clean card" has an associated rewards program, then you are earning reward points for your everyday purchases.

If you have some monthly bills that allow for credit card payments, for example your cell phone bill, cable television bill, or even your EZ-Pass bill, then set the auto-bill-pay feature of those accounts to bill your "clean card" every month. You know that you have to pay those bills in full every month anyway, so why not earn points on your bill payments?

Need a new credit card for your "clean card"? Check out http://www.zeropercentcards.com/ for all types of credit cards, including ones with reward programs.

Do you have an unused credit card which currently has a zero balance? If so, DON'T CLOSE IT! Keep it to use as your "clean card".

Even better yet, always keep one credit card with zero balance. Credit card banks will often extend special incentives to get customers with unused accounts to start using their accounts again. You may start to see very low interest rate, or zero interest rate offers mailed to you if you have a dormant credit card account. Why? Because it is cheaper for credit card banks to extend these offers to existing customers than it is to spend money on obtaining new customers.

For more information on "clean cards", see the following excellent MSNBC blog post at:
http://redtape.msnbc.com/2009/02/maybe-two-years.html

Want to get a credit card with 0% interest? Then check out http://www.zeropercentcards.com

why Blue Hippo is a giant SCAM

2009-02-02T09:37:00.000-08:00

Problem 1: you need to buy a new computer, but you don't have a credit card to be able to buy one. Even better, you want that shiny new Dell or Gateway laptop computer, but it is beyond your reach.

Problem 2: you signed up with Blue Hippo to get a new computer, and they haven't sent it, even though you have already made the necessary payments.

Plain and simple, Blue Hippo is a scam. The total number of payments that you make to get your Blue Hippo computer far exceed the true value of computer and all of the "free" stuff they send along with the computer.

Search google and you will find plenty of complaints about Blue Hippo. They are predatory lending at its best. See some comments here at this page: http://www.standardsandgrudges.com/2006/07/12/the-blue-hippo-scam

Okay, now I have you convinced that Blue Hippo is a scam, but you still can't get a computer because you don't have a credit card, or a checking account with a debit card.

Here is the solution: Go to http://www.yocredit.com/cards.php?catid=13 and get a stored value prepaid cash card. This is not one of those secured credit cards, but rather a rechargable prepaid Visa or MasterCard that works just like a checking account with a debit card.

Take the $40/WEEK payment that you would have been paying Blue Hippo, and instead, load it onto your new stored value cash card.

In 3 months, your new stored value cash card has a balance of $480, which is plenty enough for a new computer from Dell. The best thing is that you bought it yourself, and without paying too much for it!

Even better yet, some of the stored value cash cards report to your credit report, so you build good credit just by using the card!

Check out the stored value Visa and MasterCard products at http://www.yocredit.com/ today!

Should I Close My Unused Credit Card Accounts?

2009-01-26T13:56:00.000-08:00

Consider this example: You have 5 credit cards total. Four of those cards have been active for 5 to 8 years. Your fifth card is a new card that you just received with 0% on balance transfers and purchases for 15 months. You are excited upon receiving your new card, and feel that you should close the other four accounts in your name, since you no longer want to use them.

FICO-wise, this is not a good decision. When FICO computes your score, it now sees only a two-month credit history, rather than your 5 to 8 year history, and consequently, your FICO score will suffer.

You are better off leaving the other four cards open with a zero balance and placing them somewhere that you are not likely to access or use them. The 5 to 8 year history that you worked hard to build will continue to work in your favor only if the accounts remain open.

Keeping those four other cards open also lowers your available credit ratio, which is very important from a creditor's viewpoint. Suppose you do close the other 4 credit card accounts and only use your new card. If you reach the maximum credit limit on the new card, then your debt ratio is now 100%. Why? Your other accounts are now closed!

Furthermore, leaving unused accounts open is a good idea simply because credit card companies will often apply special offers and low or 0% interest rates to dormant accounts. Credit card companies want dormant accounts to be used, as it is cheaper for them to entice holders of dormant accounts to begin using them again, than it is for them to obtain new account holders.

World of Warcraft Visa Card

2009-01-21T12:33:00.000-08:00

The World of Warcraft Visa Card from First National Bank of Omaha has no annual fees, and a $10 maximum balance transfer fee!

First use of the card earns a free month of game play time, and keep using your card for even more free game time!

Get your World of Warcraft Visa Card today!

Visa Black Card

2009-01-15T15:18:00.000-08:00

Are you looking for the ultimate credit card to put in your wallet? Always looking for something exclusive? Then look no further than the Visa Black Card!

For those who demand only the best of what life has to offer, the exclusive Visa Black Card is for you. The Black Card is not just another piece of plastic. Made with carbon, it is the ultimate buying tool.

The Black Card is not for everyone. In fact, it is available to only 1% of U.S. Residents to ensure the highest caliber of personal service is provided to every Cardmember.

Become a Black Card member today and enjoy our 24-hour world class Concierge Service ready to assist you with all your business, travel and leisure needs.

Applied Bank® Secured Visa® Credit Card

2009-01-12T07:35:00.000-08:00

Is your credit a little beat up? Have less than perfect credit? If so, then check out this card at http://www.yocredit.com

The Applied Bank® Secured Visa® Credit Card is a secured credit card with a low 9.99% interest rate and no credit or income requirements.

Check your credit absolutely FREE

2009-01-09T12:59:00.001-08:00

Have you checked your credit lately? If not, then there is no reason for you not to check it for FREE, without any obligation whatsoever.

Go to https://www.annualcreditreport.com/ and you can securely and safely view your credit report on file with Trans Union, Experian, and Equifax for absolutely no cost.

Annualcreditreport.com is the Federally mandated website that the credit bureaus established to fulfill the requirements of the Fair and Accurate Credit Transactions Act, or FACT Act. Under the FACT Act, you are entitled to view your credit report at each of the 3 credit reporting agencies, once a year, for FREE.

Check your credit report now! If you find any erroneous information on your credit report, you can contact Trans Union, Equifax, and Experian directly and have any wrong information corrected or removed.

90 days interest-free on your credit card!

2009-01-08T11:35:00.000-08:00

The Advanta Net-90 Platinum BusinessCard has a rolling 90-day interest grace period on all purchases. That's right as long as your account is open in good standing, there is 0% interest grace period on all purchases for 90 days.

You also get an unlimited business rewards program with cash, travel, merchandise and more, and you earn 1 point for every dollar in purchases with no cap. There is no annual fee!

Check out the Advanta Net-90 Platinum BusinessCard at zeropercentcards.com

US Bank WorldPerks Visa®

2009-01-06T13:19:00.000-08:00

The US Bank Northwest Airlines WorldPerks Visa® now has new features!

You get a one-time enrollment bonus, and can redeem up to two award tickets a year for as little as 19,000 miles each (a 6,000-mile per ticket discount). NWA tickets purchased with the card earn double miles.

There are even more features available, so if you frequently fly Northwest Airlines, and don't have the card yet, then check it out at: http://www.zeropercentcards.com/

0% interest for 15 months no more

2009-01-05T17:40:00.000-08:00

Well, it appears that all of the credit cards which were offering intro rates of 0% interest for 15 months have all but disappeared.

Bank of America was offering a few credit cards with 15 month 0% interest periods, but it seems they have all been discontinued as of December 31, 2008.

Once the credit crunch is over, I would expect to see more 0% for 15 month offers from possibly Bank of America, Chase, and Advanta.

Meanwhile, your best bet is the Citi® Platinum Select® MasterCard® from http://www.zeropercentcards.com/

holiday expenses piling up?

2009-01-04T14:15:00.000-08:00

Did you go a little crazy purchasing gifts this past holiday season? Didn't expect that Nintendo Wii to cost so much? Had to get some last minute Christmas gifts that you didn't budget?

Perhaps you need a temporary reprieve from credit card interest to pay off all of your holiday bills?

Fortunately, there are still some credit cards available that offer 0% interest balance transfers with absolutely NO balance transfer fee. It is true; check them out at: http://www.zeropercentcards.com/cards.asp?catid=33

The IberiaBank and Pulaski Bank cards have no balance transfer fee!

Here is to you saving some money on your credit card bills!

Still looking for some other zero percent credit cards?
Then check out: http://www.zeropercentcards.com/