subject: How to Get a Zero Purchase Credit Card to Save Money [print this page] How to Get a Zero Purchase Credit Card to Save Money
Zero interest on your credit card can save a lot of money but this is not for the life time usage of the card. There will be limited usage period during which you will enjoy the benefits of interest free on your card. One should be very careful while taking a credit card and is advised to go through the terms and conditions clearly mentioned on the form during the purchase of the card or you will end up creating more interest on the principal balance.
You can follow simple tips to guarantee that you are not charged interest on your zero purchase credit cards.
It's always safe to buy credit cards from retail show rooms like Best Buy, Radio Shack, Target or other electronic shops which will usually offer the zero purchase credit card during the purchase of electronic goods, but the offer of zero interest on the card will be valid only for a limited period this can be 90days or even can go up to three years, this mainly depends on the goods you purchase, the total cost of the product purchased, the number of times you visit the store to make a purchase all this adds to the interest free offer of your card.
Many of us don't know that we get a zero interest credit cards which can be used for dental checkup; usually this card can be used for 90 days for your dental checkup which doesn't add any interest but you are advised to go through the website links which dental clinic has the service of zero interest on your credit cards.
You have to select a well-known bank in the country wide or worldwide for your purchase of interest free credit cards like HDFC, City Bank or Bank of America. All these banks offer an interest free credit card only for the limited period. It is best advised to make all the payments before the promotional period finishes so you are always on the safer side.
You can apply for interest free credit cards from the furniture stores or the major hardware shop which will give such offer most of the time on the purchase of commodities from their respective stores, but they will have still valid period for their interest free cards its only that you get a longer duration than the offer valid from other companies.
The best way is to stay away from all the above advertisements instead you can go for an ordinary credit card where you can pay the balance off by the end date before it for due and gets added on the principal balance. Always be careful while spending keep in mind whether you will be able to repay the whole amount only then you goes for the product.
Decide on the product you're going to purchase and you can do a thorough internet search and look for the credit card that is available for the maximum period stating interest free, what you can do is go for the credit card and purchase the product and divide the whole amount within the interest free months and pay of all the amount without any due where you will not be charged for any extra amount.
Finally I would say that any one going for the zero purchase credit card should go through the terms and conditions specially on the interest free on credit cards and make it clear what is the limited period you will be having this offer, it's always good to pay all your credits on regular basis before the due date that you are not charged for any extra money.
