What is 0% APR credit card? | YOUR SMART CREDIT

In many financial advice, you may notice the term of 0% APR as one of the most repeated solution for credit card debt, payment, etc. This blog post will reveal the meaning of 0% APR as well as some main benefits you must be aware.

What does 0% APR stand for?

APR is the short term of Annual Percentage Rate. It presents for the annual interest rate you'd be charged when you borrow amount of money...

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Website: http://yoursmartcredit.com

Credit Card Offers - Credit Card Comparison Chart | Union Bank

View Cardmember Agreement

Important Information

In order to keep these great rates, you must make all payments when due, stay within your credit limit, and not have any payments dishonored for any reason. If any of these things happen, the Penalty APR of up to 29.99% may be applied to all balances, including balance transfers. The Penalty APR may apply indefinitely. The cardholder agreement gives us the right to change account terms for any reason, subject to applicable law, including if your credit profile changes. We may apply your payments in the order we...

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Website: https://www.unionbank.com

Credit Card Debt Help & Advice. Free From StepChange

How we help

Joint credit card debt

The law only allows a credit card account to be in one name, so there's no such thing as a joint credit card. But your credit card provider may let you have a second credit card for your partner or someone else to use.

If your card provider has given you a second card, you will be liable for all of the money spent on both cards.

The second card holder is not...

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Website: https://www.stepchange.org

Credit Cards for Fair Credit - Creditnet.com

Home / Credit Cards / Credit Cards for Fair Credit

Credit Cards for Fair Credit

If you have a fair credit score, these are the best credit cards for average credit in the marketplace: they offer low or no annual fees, cash back, and more.

Many credit cards for fair credit feature a low or no annual fee and an instant approval decision, so be sure to scan the details regarding special...

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Date: 2017-09-16 01:15:49
Website: http://www.creditnet.com

0% Balance Transfer Credit Cards Credit Cards

This is generally an introductory rate provided by a credit card company that encourages you to switch your debt load over from your old credit cards. By offering 0%, you can potentially save hundreds of dollars when it comes to paying off your debt. However, the 0% will generally last three to six months and then a far more substantial interest rate will then kick in.

In addition, whatever the...

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Website: https://www.financedirectory.net.au

0% Purchase Credit Cards - Choose | Price comparison


Representative example: When you spend £1,200 at a purchase rate of 18.94% (variable) per annum, your representative APR will be 18.9% APR (variable).

Choose Ltd is a credit broker. We do not charge any fees in relation to credit broking activities.

Choose is provided to you as a completely free service, however we may receive a commission from some of the companies we list.


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Website: https://www.choose.co.uk

Best (and Worst) Instant Approval Credit Cards - Top Ten ...

Instant Approval Credit Cards Review

Instant Decision Credit Cards

Editor's Note: This review site for Instant Approval Credit Cards is no longer being maintained by Top Ten Reviews. The site will be discontinued in its entirety.

Instant approval credit cards are handy for people who, for a variety of reasons, need a quick answer as to whether they qualify for a credit card . These cards have...

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Website: http://www.toptenreviews.com

The Easiest Way to Stop Paying Interest on Credit Card ...

Let's be honest, America is having a credit card debt crisis. We, as a nation, are $11.4 trillion in debt to credit card companies. With fees and interest rates, it can often be difficult to climb out of the hole of credit card debt we created.

Luckily, there is a very easy solution to stop paying all of that interest to the credit card companies, and it comes from the most unlikely source ......

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Website: http://www.huffingtonpost.com

A secured business credit card from Union Bank can help ...

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###DISCLAIMER:2_0 UB SB Credit Card - APR SB Secured Visa### If you take advantage of a balance transfer offer and continue to use the credit card to make purchases, you will lose the interest-free grace period on the new purchases unless you pay the entire statement balance, including the amount subject to the promotional APR, by the payment due date.


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Website: https://unionbank.com

Credit Care - Choosing Good Credit Cards

Credit Repair

There are a wide variety of credit cards out there. You might have received offers from some of them in your mail. How can you determine which one is right for you? The sheer number of different types of credit cards, with all their variables, can make that decision a bit overwhelming. Should you get one with lots of rewards, or look for the lowest APR? Before you sign up for...

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Website: https://www.creditcare.com

Balance Transfer Credit Card | AA

Balance transfer credit card

Our longest balance transfer offer

Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.

Balance Transfer Credit Card

Transfer balances from existing credit or store cards onto the AA Balance Transfer Credit Card.

Transfer balances from existing credit or store cards onto the AA Balance Transfer Credit Card.


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Website: http://www.theaa.com

Compare Business Credit Cards | Zions Bank

Automatic Payments

Limited Time Bonus Offers

Earn $250 cash bonus or 25,000 rewards points when your business spends $2,500 on eligible net purchases in the first 90 days of account opening (transactional items such as cash advances, balance transfers and quasi cash amounts do not qualify toward $2,500 spend). One bonus payment is allowed per business, not per account or per card. Offer applies...

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Website: https://www.zionsbank.com

Balance Transfer Credit Card | AA

Balance transfer credit card

Our longest balance transfer offer

Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.

Balance Transfer Credit Card

Transfer balances from existing credit or store cards onto the AA Balance Transfer Credit Card.

Transfer balances from existing credit or store cards onto the AA Balance Transfer Credit Card.


Read more

Website: http://www.theaa.com

When and How to Apply for a First Credit Card | Discover

Get cash back on gas and restaurants with Discover it® Chrome.

Our Student

Credit Card

It's the classic catch-22. You can't build credit without having credit, and you sometimes can't get credit as a student without a credit history. So where do you start?

Nowadays, credit is required for almost everything from getting a cell phone, to renting an apartment and applying for a car or student loan....

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Website: https://www.discover.com

Contact Walmart Credit Card Customer Service

Contact Walmart Credit Card Customer Service

Contacting Walmart Credit Card Customer Service Center

Walmart credit card is financed by GE Money. There are three personal/business cards offered - Discover/Store, Community and Business. Discover/Store is personal, Community for community services like nonprofits and Business is for businesses. Some applications for the Walmart credit card are...

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Website: http://www.contactcustomerservicenow.com

Related topics : application credit card walmart / credit card fees charged to customers / credit cards service / ge credit cards contact / ge credit card phone number

Best Alternatives for Walmart Credit Card

This unsecured card requires no deposit and can help build your credit

Receive opportunities for credit line increases, a fee may apply

See if you Pre-Qualify in less than 60 seconds


Check if you're pre-qualified for credit cards

It takes less than 1 minute

Will Not Affect Your Credit Score

Select Your Credit Score:

Please, select your credit score

Have You Ever Declared...

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Website: http://www.bestcreditoffers.com

The best ever 0% balance transfer credit cards - lovemoney.com

Fancy 16 months interest-free credit on your balance? Well, look no further.

Just three months ago everyone was predicting the bottom would fall out of the 0% credit card market - including us. In Borrowers: Your worst nightmare just came true we waved goodbye to the long-standing best-buy, Virgin. It also looked like a raft of rule changes due to be forced on credit card providers would spell...

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Website: https://www.lovemoney.com

Macy's Store Credit Card Alternatives

This unsecured card requires no deposit and can help build your credit

Receive opportunities for credit line increases, a fee may apply

See if you Pre-Qualify in less than 60 seconds


Check if you're pre-qualified for credit cards

It takes less than 1 minute

Will Not Affect Your Credit Score

Select Your Credit Score:

Please, select your credit score

Have You Ever Declared...

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Website: http://www.bestcreditoffers.com

Dual Credit Card | AA

Dual Credit Card

The card for balance transfers and purchases

Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.

Dual Credit Card

Get 0% on both balance transfers and purchases with our Dual Credit Card.

Get 0% on both balance transfers and purchases with our Dual Credit Card.

card offer:

0% for either 32 or 24 months on purchases from account...

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Website: http://www.theaa.com

Best Interest Free Credit Cards of 2017 - allCards.com

One of the best deals available are interest free credit cards of 2017. No interest cards offer 0% on balance transfers, purchases, or both. With balance transfers, you can transfer one or more high interest credit card balances onto the interest free credit card and pay no interest during the introductory period.

With zero interest on purchases, you can use the card for big purchases or everyday...

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Website: http://www.allcards.com

How to Get a Business Credit Card With Bad Credit: 11 Steps

How to Get a Business Credit Card With Bad Credit

Getting a credit card for your business can be difficult if your credit score is low. Lenders prefer a robust credit score which usually indicates that the borrower will be able to meet payments. However, even if your credit score is low, you can still obtain a credit card for your business expenses and work to improve your credit over...

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Website: http://m.wikihow.com

Credit card balance transfer - Wikipedia

A credit card balance transfer is the transfer of the balance (the credit left) in a credit card account to an account held at another credit card company . [1]

This process is actively encouraged by almost all credit card issuers as a means to attract new customers. Such an arrangement is attractive to the consumer because the new bank or credit card issuer will offer incentives such as a low...

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Date: 2017-09-01 10:48:36
Website: https://en.wikipedia.org

Credit Card Menu: High Limit Credit Cards


CreditCardMenu.com is an independent, advertising-supported website. CreditCardMenu.com receives compensation from the credit companies whose offers appear on our website. Compensation may have an impact on how and where credit products appear on the website, including, for example, the order in which they may appear within reviews....

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Website: http://www.creditcardmenu.com

Best 0% credit cards for balance transfers - MoneyMagpie

0% balance transfer cards can be really good if you've got credit card debt to clear - they let you do so without having to pay any interest. Read on for our pick of the best 0% credit cards.


Who are these cards good for?

If you have an ongoing debt on a credit card that's currently charging you interest... then a 0% interest balance transfer card could really help you to clear the debt....

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Date: 2017-09-16 10:39:02
Website: http://www.moneymagpie.com

0% Interest Credit Cards: a Side-by-Side Comparison

Home -> Top Credit Cards -> 0% Interest Credit Cards: a Side-by-Side Comparison

0% Interest Credit Cards: a Side-by-Side Comparison

Saturday 04th, January 2014 / 05:11

in Top Credit Cards

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If you've been doing a lot of online research before you get a new card, you may notice that a lot of sites in the US talk about 0% interest cards. Although most of these are only for an...

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Website: https://www.creditwalk.ca

Cheapest 0 balance transfer credit cards | Balance ...

Guide by FreePriceCompare.com

The cheapest and most effective way to manage your small debts can to use a 0% balance transfer card. This can mean paying no interest for two years, making it a good saver.

Look into the guide below for everything you need to know on balance transfers and how to save you money.

Balance transfer card in a nutshell

Amount that can be saved

Fees to know about


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Website: https://freepricecompare.com

Credit Cards - Apply For a Credit Card Online | MBNA

View All Blog Articles

We're all about credit cards

We've been issuing credit cards in the UK for more than 20 years, working with millions of customers to help them find the right card to suit their credit needs.

Whether you're after a credit card to help you spread the cost of big-ticket purchases, or just to make your finances run more smoothly, we like to think you'll find the perfect card...

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Website: https://www.mbna.co.uk

Best Credit Cards For Your Credit Score - NextAdvisor Blog

April 2, 2014

Updated: November 16, 2014

In a sea of credit card offers that boast endless rewards and low interest rates, it can be difficult to reel in the perfect card for your needs. Sometimes the best way to decide is to let your credit score choose for you.

People with great credit can get better interest rates and the best offerings when it comes to rewards if they apply for cards aimed at...

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Website: http://www.nextadvisor.com

Post Office Matched Credit Card | 0% For 30 Months

The Post Office Matched credit card, which is part of the popular Post Office credit card range, now has new 0% introductory offers on both purchases and balance transfers with effect from 7th June 2017.

The Post Office Matched credit card now offers new customers a long 0% introductory offers on purchases and the Post Office Matched credit card also has an equally long 0% introductory...

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Website: https://www.0creditcardexpert.co.uk

Tips for Using Credit Card Convenience Checks

Tips for Using Credit Card Convenience Checks

Thomas Donaldson, Updated on Jul 28, 2017

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be...

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Website: http://www.comparecards.com

Best cashback credit card deals - Telegraph

Amelia Murray

4 May 2016 o 12:54pm

Putting all your spending on a credit card sounds risky. But choose the right deal - and use it in the right way - and it can be financially rewarding.

There are a number of enticing rewards and cashback cards available to reliable borrowers. But these deals do come with catches.

Here are the best cashback and reward credit cards on the market, with the small...

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Website: http://www.telegraph.co.uk

Can You Pay a Credit Card with Another Credit Card?

Advertising Disclosure

DoughRoller receives compensation from some companies issuing financial products, like credit cards and bank accounts, that appear on this site. Unless a post is clearly marked "Sponsored", however, products mentioned in editorial articles and reviews are based on the author's subjective assessment of their value to readers, not compensation. Compensation may impact how and...

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Website: http://www.doughroller.net

Airline Miles Credit Cards - Creditnet.com

Home / Credit Cards / Airline Miles Credit Cards

Airline Miles Credit Cards

Airline miles credit cards get you to your dream destination faster! 

Credit cards for travel are designed to give jet-setters the most miles for their money. With every purchase on an airline miles credit card, you're one step closer to the other side of the world. Earn points toward free travel on any major airline...

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Date: 2017-09-16 04:54:22
Website: http://www.creditnet.com

Getting credit cards with bad credit history | Equifax UK

 |  Loans and Credit

Getting credit cards with bad credit history

A poor or limited credit history can make it difficult to get credit, but there are products in the market designed specifically for people who have trouble getting loans and other credit products. If you have been rejected for credit, or have...

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Date: 2017-09-15 20:39:00
Website: https://www.equifax.co.uk

How to get approved for an Instant Approval Credit Card

Latitude Financial Services

How to get approved for an Instant Approval Credit Card

Many on line credit card applications now offer a fast approval�on credit card applications, generally within 60 seconds of submission of the online application, the credit cards which are available through this fast approval�cycle are commonly referred to as Instant Approval Credit Cards .

The initial step...

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Website: http://www.creditcardselector.com

MBNA launches longest-ever 0% balance transfer credit card ...

Balance transfer credit cards allow customers to pay off their debts over a long period - now up to 43 months


29th December 2016, 4:30 pm

Updated: 29th December 2016, 4:30 pm

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MBNA has launched the longest ever balance transfer credit card giving customers more than three and half years interest free.

Over the past few days a...

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Website: https://www.thesun.co.uk

Glossary of Credit Card Terms

Glossary of Credit Card Terms

Have you stumbled across a word on our website that you're not familiar with? The financial world is full of terms that we do not use in everyday conversation, but that are essential to understand when making an informed financial decision. We've listed these key terms and their definitions below. If you find a credit-related term that we missed, please contact us so...

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Website: creditcards.org

Household Bank Platinum Cards Review - Creditnet.com

0 user reviews

Household Bank Platinum Cards

Household Bank offers you the opportunity to strengthen your credit with a brand you can trust! They understand how difficult it can be for people with bad credit to be approved for a credit card. So instead of requiring you to apply for multiple cards at once hoping to be approved for just one, Household Bank lets you fill out just one application...

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Date: 2017-09-16 09:15:58
Website: http://www.creditnet.com

Types of Credit Card in UK, UK Credit Cards | Economy Watch

There are eight different credit card types in UK - 0% balance transfer, 0% purchase, 0% balance transfer and purchase, Low standard rate, Cashback, Abroad - best card overseas, Lowest balance transfer fore life and Prepaid cards.

Additional Credit Card Types in UK

There are certain additional credit card types that are available in the United Kingdom as well. Those may be mentioned as...

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Date: 2017-09-16 14:29:30
Website: http://www.economywatch.com

Booking a holiday using a credit card? - Credit cards ...

Booking a holiday using a credit card?

Category: Credit cards

First Published: 18/04/2017

There's nothing better than the prospect of jetting off on a much-needed holiday.

Even though many will wait for last-minute deals, families with children who are tied to specific holiday dates might prefer to book as far in advance as possible to ensure they get the holiday they've been dreaming of.


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Website: https://moneyfacts.co.uk

Best Balance Transfer Credit Cards of 2017

This article was written by Luke Landes in Credit . 5 comments.

Credit card debt is never fun, and developing a plan to get yourself out of the debt can be exhausting. Credit cards commonly charge interest rates of 20% or more, and if you miss a few payments the default rate can be even worse. Fortunately, if your credit is still decent, there is a way to make payments on your credit card with...

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Website: http://www.consumerismcommentary.com

MBNA Canada Credit Cards | CreditCardsCanada.ca

About Us

MBNA Canada Credit Cards

MBNA administers the largest MasterCard portfolio in Canada. They offer great rates on low interest credit cards and excellent perks for rewards based credit cards. MBNA is also a leader in affinity credit card products, such as the Sony Card MasterCard® and other co-brand credit cards. You will need to have good credit to be approved for an MBNA credit card.

Showing 1 - 7 of 35 cards | View All


0% promotional annual interest rate+ (AIR) on balance transfers* for the first 12 full months

Access to 24/7 customer service

Around-the-clock-fraud protection

Immediate cash access at over 1 million...

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Website: https://www.creditcardscanada.ca

Instant Decision Credit Cards - Compare Top Instant Approval ...

People with bad credit or who are looking to improve their current rating

Credit limit from £200 to £1,500

Easy application with a response in 60 seconds

But be aware that:

Must have had credit in the UK previously

Must not have been declared Bankrupt in the last 12 months

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of...

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Website: http://www.compareandsave.com

How to Pay Off Credit Card Debt with a Personal Loan | SoFi

But if you qualify for a 7.5% APR personal loan with a three-year term, and use it to refinance your credit card debt, your monthly payment would go down by $60 and you'd save over $2,000 on total interest over the life of the loan.

Of course, everyone's situation varies, but you can use SoFi's personal loan payment calculator to do the math on your own personal loans.

Recommended: 5 To-Do's...

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Website: https://www.sofi.com

Credit, debit and other cards - Money Advice Service

> Credit cards and credit ratings

Credit, debit and other cards

When it comes to spending, borrowing and avoiding charges, each type of payment card has different pros and cons. This guide tells you more about the main options.

Cards for borrowing, cards for spending

There are two main types of card:

Cards that let you borrow money and pay it back later (credit cards, store cards and charge...

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Website: https://www.moneyadviceservice.org.uk

Using Credit Cards While Studying Abroad - Credit Card Insider

Try to choose a credit card with no foreign transaction fees.�Many credit card companies charge an average fee of 1-3% for every transaction, in addition to the ATM fees the local banks charge.

Contact your bank in advance to let them know you will be abroad and provide a list of your potential travel destinations. This will ensure your card is not declined for fraud reasons.

If you choose to...

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Website: https://www.creditcardinsider.com

Credit One Bank® Unsecured Visa® Credit Card Review ...

Expert Rating : 4.40 / 5 stars


Updated by Elisabeth Chan on July 26, 2017

Credit One Bank® Unsecured Visa® for Rebuilding Credit Summary

Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll let you know as soon as you're eligible for a higher credit line. A fee may apply.

See if you Pre-Qualify without harming your credit score....

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Date: 2017-09-16 04:55:28
Website: http://www.creditnet.com

The best money transfer credit cards - Mirror Online

Some credit cards allow you to transfer money from your card to your current account at 0% interest


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Overdrafts on current accounts can be painfully expensive. 

The Halifax Reward account charges £5 a day for a current account. And even with an authorised overdraft, many accounts charge...

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Website: http://www.mirror.co.uk

Balance Transfer Credit Cards: What to Do ... - NASDAQ.com

Balance Transfer Credit Cards: What to Do When Your Credit Limit is Too Low

October 28, 2014, 08:39:07 AM EDT By NerdWallet

Shutterstock photo

By Lindsay Konsko for NerdWallet

We've all been there: You recognize a problem with your finances, come up with a plan to deal with it, then hit a snag. For example, many people trying to pay down credit card debt turn to a balance transfer card, only to...

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Website: http://www.nasdaq.com

CreditShop.at ~ Instant-Approval Credit Cards: Low APR ...

� Airline Miles Cards

Instant Approval Credit Cards. Everyone loves "instant" anything, and so for those who just can't wait a week to find out if their credit card application was successful, we list the credit cards where you can find out right away whether your credit card application was successful or not. Some of the cards listed below are pre-paid credit cards, where approval is...

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Website: http://www.creditshop.at