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Credit card interest rates

Getting a credit card is not just a simple case of picking up the first advert that pops though your letterbox - it takes a fair amount of investigation to ensure that you get the one that best meets your circumstances.

The most important factor for many people is credit card interest rates. If you are the sort of person who pays off their balance in full every month, then the interest rate charged does not matter to you and you can look for a card that has additional benefits.

However, if you more often than not carry a balance forward from month to month, then you need to choose your credit card wisely. The way to make the most of a new credit card is to choose one with an introductory rate – eg one that charges low or 0% on balance transfers – then you transfer any existing credit card balances across to them.

Other introductory rates include a low or 0% interest for a set period on purchases on your credit card.

When choosing a card with an introductory rate, make sure that you check out the following:

· is the introductory rate for transferred balances only; for new purchases only; or does it relate to both?
· how long is the introductory period? Check whether it is a specific date or for a set period once you have received your card. The former can eat in to your interest-free period as it can take time to set up your account and for you to receive the card etc .
· once the introductory period finishes, how much interest will you be charged?

By doing a bit of homework on any proposed new card, you could save yourself money in the long term.

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