0% APR Credit Cards - Are They As Good As They Sound?

A astronauts number of credit cards advertise 1961 Fleer baseball cards 0% APR feature. Essentially, this means you will not be charged interest on the balance you carry for an initial period of time. Not having to pay anything in interest sounds like Sandman comic great deal, but is it too good to be true?

Not necessarily. The 0% APR credit card, when used correctly, can help you out. It can provide you with a short, interest-free loan. It can also help you pay off other credit card balances. To make it work for you, you'll need to understand what's all involved in a 0% APR credit card.

The 0% APR Period

APR is an abbreviation for "annual percentage rate." This is the interest rate that the credit card company charges on the balances you carry. It is expressed as a yearly rate.

The 0% APR means you will not have to pay interest on the account at first. The 0% APR usually lasts for a short time, ranging from six to twelve months. Some cards advertise a specific period, and others determine the time frame depending on your credit score.

What the 0% APR can be used for

In Diamond Stars cases, the 0% APR will be applied to new purchases. In some situations, you'll find that the credit card interest rate can also be used for balance transfers. Certain credit cards even offer 0% APR on both purchases and balance transfers.

When the 0% APR applies to new purchases, you can buy items and then carry a balance for a few months. During that time, you will not be charged any interest. This gives you a small loan, free of interest. If you're planning on making a big purchase and then paying it off, the 0% APR on new purchases is a feature that lets you do just that.

For balance transfers, some cardholders find that the 0% APR period gives them a chance to pay off debt. Rather than struggling to pay the interest attached to a high balance each month, they can make payments specifically toward the principal amount. This works if you're trying to get rid of outstanding balances with high interest rates.

Other Features to Consider

While the 0% APR offer can be helpful, it does not last forever. Eventually, a regular interest rate will set in. You will then have to pay interest each month for any balance you carry. So check to see what the regular APR on the card before applying.

In addition to the 0% APR offer, most credit cards offer other benefits. They might include cash back, a rewards program, or a regular low interest rate. Be sure to look at these other benefits, as well as any other fees, before you apply.

In most cases, 0% APR credit cards really are as good as they sound. You will get an interest-free period that can help you out. Before filling out an application, however, you'll want to look at the fine print carefully, and make a decision based on all of the card's offerings. By doing that, you can be sure that the 0% APR credit card will work to your advantage.

Click Here to Find 0% APR Credit Card Offers.

Stephanie Andrews is a contributing editor of the website http://www.CreditCardCity.com, a credit card directory where you can apply for a new credit card with secure online applications. Visit now to compare all of the best online credit card offers.

Stand-Up Defensive Driving

Any teacher should be able to tell you that we don't all learn in the same way. Some students can read information and know it by heart. Others do better when the same information is read to them by another person. Some of us need hands-on lessons and don't do well with written material at all. The need for variety is one reason that stand-up defensive driving was created. Children can learn through Dunny they consider fun and now, so can adults.

What Is Stand - Up Defensive Driving?

If you take a course in defensive driving, you will be taught techniques to improve your driving skills and that will make you a safer driver. Not everyone has the ability to sit and listen to a lecture and retain the information that they need to implement new techniques into their driving. If you love entertainment and can learn more from a stand-up comedy routine than from an encyclopedia, the stand-up defensive driving may be the educational tool to help you with your driving skills.

A stand-up defensive driving course is performed by comics using their regular bag of tricks to keep you laughing. The material they use is based on the tried and true techniques of defensive driving. Although defensive driving may not sound like a funny subject, the talents of these bild lilli lets them present the subject to you in a humorous fashion so that you can understand and retain the needed information.

Is Stand-Up Defensive Driving For Me?

You need to have a good sense of humor for stand-up defensive driving to be impressive for you. If you are a serious, laid-back personality, you probably won't get 1963 Topps baseball cards If you normally enjoy the talents of a good stand-up comedian, then stand-up defensive driving will just come naturally to you.

While using funny faces, laughable examples, and silly demonstrations, these comedians will demonstrate the importance of maintenance on your 1887 Old Judge N172 Keeping the tires properly inflated, new and working windshield wipers, and lights that operate are all essential to having a safe vehicle. It may not be a stretch of the imagination to foresee the jokes that can be made about not paying attention while driving on the road. In reality, people often find other areas that interest them more than where they are going. It is easy to laugh about these demonstrated circumstances in stand-up defensive driving since no real accident occurs. Once tragedy strikes, it is no longer a laughing matter.

Learning to drive safely is important and you should do it in whatever way makes it easiest and most effective for you. There is no reason you should not combine training with entertainment if that is your preference. What is important is that whether you learn stand-up defensive driving or take a regular defensive driving course, you learn what it takes to prevent accidents.

The reasons you should take a Stand-Up Defensive Driving course. For more useful information and resources on defensive driving.