We all await the day when debt will be suddenly banished from all our reports.
Some folks call it the coming of Christ, but I name it the coming of the debt-eraser. Okay, I\'m obviously being stupid right now, but how great would this be? We would all surely call this person a saint of some sort. I know I would plaster his/her face on my living room wall in a 20/30 frame.
At this point I\'d even be very happy if my credit card debt was banished. The relief would be inestimable. Speaking of those little plastic devils, how much do you presently owe on yours? I swear these suckers should come with the numbers 666 written across the front. Just as a fair warning to all who use them. Please, someone create the interest free credit cards. The world would be a much happier place.
The other day I was Christmas shopping. After all, this is the time of the year to be happy, right? Well, how in the name of God am I supposed to be happy when I know that my credit card is going to charge me some ridiculous interest rate every month? I wince with a tentative twinkle in my eye every time I whip the thing out.
I don\'t like to use it, but , if you\'re broke from paying bills, you hardly have 20 other options. It\'s not like you can simply dismiss the notion of buying presents for the loved ones. That wouldn\'t go over so well. Of course this wouldn\'t be an issue at all if one had a few interest free credit cards.
But, where on earth can you find these? Well, I\'m pleased you asked. You can indeed find interest free credit cards, but like always, there is normaly a catch. They\'re generally interest free just for balance transfer, and this only lasts for 12 months from when you receive the card. So don\'t plan on getting interest free credit cards that apply to purchases. Make sure to read the fine print on the back of each document/pitch you receive in the mail. The purchase interest rate is normally HIGH, and the cash-advance one is always worse.
I just remembered the only time I encountered true interest free credit cards. It was back when I started college. I was offered a couple interest free credit cards with 0 APRs on purchases. They only had 200 dollar limits and if you exceeded the limit, your interest rate was terrible. Other than that, these desirable credit cards cease to exist.
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