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0 APR Credit Cards - What You Need To Know Guide
by Thomas B. Stevenson

How many pieces of plastic do you have? Are you a credit
card fanatic? You know, one of those individuals that
acquire as many credit cards as possible?

Firstly you better make sure you understand that this
may get you into a serious financial bind. Sure, credit
cards are a great way to dealwith unforeseen expenses,
and at times can save your butt. On the other hand,
these tricky little plastic cards can also trick you
into spending carelessly. We all know their typical
spiel. Every credit card company knows exactly what
you want to hear. Hence that\\\'s the reason why your
mailbox is constantly filled with offers for 0 apr credit
cards. They simply love to pitch that; don\\\'t they? The
truth is we all light up at the number 0. It instantly
tells us that we have nothing to lose. Ha! Now that\\\'s a
good one. But, while these 0 apr credit cards start out
benign, they soon turn sinister. All of a sudden the apr
hits the roof, and you\\\'re shelling out loads of cash for
interest rates each month.

When you checked your mailbox today, were there any
pitches for 0 apr credit cards? I\\\'m going to go ahead
and guess there was at least one. Now, the question
is; are you going to rip it open and read the whole
deal, or simply tear it apart and throw it away?
Don\\\'t get me wrong, we all like to have a credit
card or two in our wallets and purses. Those 0 apr
credit cards can come in handy if we get in a bind.
The trick is using it wisely. This basically
translates as not using it unless you have to. And I
mean have to!

You don\\\'t need to simply stick something on your 0 apr
credit cards if have the cash to pay for. No need to
constantly fight the monthly credit card payment? Or
perhaps, you are one of those exceptional folks who
pay their credit cards off completely every single
month. If you are, then hats off to you. You\\\'re one
of few. Though a lot of us, or probably the majority
of us claims that this is how we will do it, we actually
don\\\'t. Trust me, the credit card companies\\\' depend on
this. After a while, you\\\'ll probably want one of the 0
apr credit cards for some emergencies. The trick is
staying strong and not using it for casual shopping.

There are loads of online resources for those seeking
current deals on 0 apr credit cards. It\\\'s simple to
pop open Google and do a quick search regarding 0 apr
credit cards. Nevertheless, be prepared, because loads
of them are about to pitch to you.

Thomas B. Stevenson is a contributing writer to Financial
Information Magazine and provides readers with the latest
reviews, articles,commentaries and write-ups on all finance
and investment related information:

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