Apr Credit Cards
0 apr credit cards aren't just a luxury. They're a necessity. Before I got a 0 apr credit card, I was paying 20 to 30 percent apr, and not even noticing it, because I was shelling it out monthly, as opposed to once a year. Sure, 20 dollars a month might not seem like much, but when you figure it as 240 dollars a year, just as interest that doesn't even pay back the money you owe, suddenly you'll realize how stupid it is not to get 0 apr credit cards.
This is especially true because 0 apr credit cards are so common, and so easy to get. Most weeks, I get in the mail no less than 3 offers for 0 apr credit cards, in addition to the half a dozen or so offers for higher rate ones. And many of these 0 apr credit card offers allow you to apply on line, which is so quick a way to do it, that how could you afford not to?
Of course, there is a downside to 0 apr credit cards. It can seem like almost a miracle at first: a card that lets you borrow money with no interest. As a result, many people rack up substantial debts on their 0 apr credit cards, debts which later cripple them, and which they have to repay at substantial interest rates when they can not make their credit card payments in time. If you have a 0 apr credit card, you'd better make sure that you understand: it is not a “magical goodies” card giving you everything that you could want at no cost. Make sure that you are always prepared to pay off your debts, or else you will have big troubles ahead of you!
0 apr credit cards are especially dangerous for young adults who might be somewhat naive about the rules of finance. If you are just getting out into the world, after high school, or college, and don't really yet understand how to budget correctly, a 0 apr credit card can seem like a godsend – something which will help you now, and which you don't have to worry about for a long to. But it is precisely for a long time that you will have to be worrying about your 0 apr credit card recklessness, once you become sunk in debt. Sometimes paying off your credit card debt can take upwards of 10 years!
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