The Deal is in the Disclosures A interest free credit card lets you buy things and pay for them over time. Using a interest free credit card is a form of borrowing: you have to pay the money back.
When you are choosing a credit card, there are many features — and several kinds of interest free credit cards — to consider: Fees, charges, interest rates, and benefits can vary among credit card issuers. As a result, some interest free credit cards that look like a great deal at first glance may lose their appeal once you read the terms and conditions of use and calculate how the fees could affect your available credit.
interest free credit card terms Important terms of use generally must be disclosed in any credit card application and even in solicitations that don’t require an application. Here are the most important terms to understand — or ask about — when you are choosing among credit offers.
Example of interest free credit card terms and conditions National Western bank offers a 0% balance transfer offer.
Transfer your existing balances and pay 0% for 15 months. Plus you could pay 0% on your purchases for 3 months from account opening.
This offer is available exclusively to existing NatWest current account customers. Stop paying interest on your balances for the next 15 months – and save on everyday spending too.
Platinum Credit Card – main benefits - 0% on balance transfers for 15 months from account opening – if you switch your balances within three months of opening your account - 0% on purchases – for three months from account opening - 2.9% balance transfer fee - (minimum £5), and a Typical 16.9% APR (variable) - You’ll also enjoy up to 56 days’ interest free credit on purchases (please see rates and charges for details), plus comprehensive protection against online threats, fraud and identity theft. We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within your credit limit.
Consumer Counseling Center provides a non-profit free credit counseling service for the consumer, helps to resolve credit issues, and avoid credit problems.
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