0 Credit Card Interest Rate

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0 Credit Card Interest Rate

Is There Truly Such a Factor as a 0 Credit Card Interest Rate

For individuals who are utilized to paying an interest rate on their credit cards, they might be surprised to discover there truly is such a factor as a 0 credit card interest rate. Nevertheless, there’s actually such a factor, and also the truth is that they might have the ability to appreciate that perk with out ever altering from their present credit card providers.

Numerous credit cards are issued with out any kind of annual fee assessed. In location of that annual fee, there’s an interest rate structure that’s in location. Usually, the interest rate is applied to any outstanding balance on the card over thirty days. Within the event of failure to create payments on time, the card issuer might invoke a greater interest rate. The expectation is that individuals will actually not pay off their cards each and every month, and consequently will probably be accessed some interest on the outstanding balance.

So, if you would like a 0 credit card interest rate, what you do is pay off your cards on time each and every billing cycle. With no outstanding balance to calculate interest on, you wind up having a 0 credit card interest rate.

Obviously, you will find some credit card plans which will advertise a 0 interest rate that’s extended for a time period following opening the account. As an example, you open a brand new account that’s provided having a 0 credit card interest rate for the very first six months, topic to you generating your minimum payment on time each and every billing cycle. With this arrangement, you are able to transfer balances from other cards onto this new account, then make certain you pay off every thing in that six month window. You’ll have taken benefit with the 0 interest rate to significantly decrease your debt, and also established an outstanding payment record together with your new credit card provider.

Ought to you select to accept any provide that presents itself as getting a 0 interest rate, make certain you read all of the terms and conditions. See how lengthy the 0 credit card interest rate applies. Make certain you realize what you need to do to preserve that 0 interest rate for so long as feasible. By understanding what you’re committing to, you’ll comprehend whether or not accepting a card provide having a 0 credit card interest rate is truly inside your very best interests.

Comments: 64

  1. Lillie March 12, 2013 at 10:45 am Reply

    I have a credit card that has various rates for different transactions. For example, Purchases are 29.99%, Promotions could be 9.99% or 4.99% and there are different balances on all of them.

    The credit card company comes back with an Effective Annual Percentage Rate of 19.55%.

    How do you figure out this number? Is it like a weighted average?

    I know if you have $5000 at 20% and $1000 at 10% on the same card, the combined interest rate will not be 15% because you have the majority of the money at 20%, so it will be higher than 15%.

    Any ideas?

  2. Dyan March 15, 2013 at 10:35 am Reply

    There are many credit card companies that offer 0% interest for up to 12 months. What are the pros and cons?

  3. Caren April 3, 2013 at 3:17 pm Reply

    I have a target credit card that I want to pay-off fast, unfortunately due to high interest rate, it will take years to pay it off. is there anything i can do to speed up the process, other than giving more monthly payments. such as settling with the company? will this hurt my credit score?

  4. Miyoko April 11, 2013 at 1:24 am Reply

    I currently have a 17.99% APR credit card. I’ve had it for almost a year now. 11 months to be exact. I want to go to a lower interest rate card. Does anyone know a good low interest rate card?

  5. Eugenio May 28, 2013 at 3:30 pm Reply

    Keeping credit cards with high interest rates seems silly, when I am getting low introductory rates, and relatively low rates in the future. Will this change my credit score?

  6. Kerry June 18, 2013 at 10:03 am Reply

    I just got approved for an Amex Blue card for $6000.00. I transfered a couple of my high interest rate credit cards from my Express Fashion account and mu Household Bank account to my new Amex card to take advantage of the intro 0.00% APR for 12 months to pay them off. The total amount that I transfered to my new Amex account is $1,129. My question is should I close both of other accounts, or just close out my Express account and still keep the Household bank account with the $1,100 credit limit? Please give me advice, on what will have the least negative affect on my credit score
    The only other major credit card that I have is one with a $10,000 limit, which I do have a balance on. Over all right now the amount of credit available to me is $22,000 and I owe about $8,000 total.. is that bad? I’m working to pay it down. Please let me know if that affects your advice.. Thank you!
    This new Amex card is the first new major account that I have opened in the past couple of years..

  7. Mechelle July 16, 2013 at 8:52 pm Reply

    What exactly does annual percentage rate mean when applying for a credit card?
    okay , so.. the credit card has an 24.99% interest rate.
    say i spent $100.00.
    if i pay back the $100.00, before the due date , will i NOT be charged anything extra?

  8. Rocky August 6, 2013 at 3:01 pm Reply

    I’m considering breaking down and finally getting a credit card…obviously if you pay the balance each month interest rates don’t matter, but there is always that one or two times where you get hit. So again, in your opinion what is better a card with a low interest rate and like a $50 annual fee, or zero annual fee but an increased interest rate?


  9. Rolando August 11, 2013 at 4:04 pm Reply

    I recently took out a credit card with 0% APR for 6 months. I am still under the 6 month period, but I can’t seem to find the interest rate anywhere on my online banking. I want to confirm that it is still 0%.

  10. Kellye August 31, 2013 at 8:17 am Reply

    I never got the fine but now I’m being charged $1,155 for an ambulance ride to the hospital a while back. I never received it in the mail so now it went to collections and it is accruing interest; .10% daily to be exact. That’s like 28 cents a day. They said that they will completely take it off my credit report as soon as it’s paid off. Should I just apply for a 0% credit card and pay it off with that so atleast it will clear my credit score of that huge descrepancy? I don’t know if I’ll even get approved for one at that rate first of all, then, I know if I use the card to more than half the limit, my credit score goes down. What should I do?

  11. Cayla September 22, 2013 at 3:39 am Reply

    I am contemplating purchasing a used boat which is over 15 years old. I am looking at the best way to finance this purchase and need some input. The only loan I have is a student loan for $4K and the only credit card I have has a balance of $11K with 0% interest for the next 6 months, and then a 8% rate after that. I have a few other credit cards which send me access checks with 0% fee and interest for one year that I could use to finance the boat. I would use $11K in an access check to finance the boat at 0% interest on a second credit card which would increase my credit card debt to $22K with 0 interest for awhile and then 8% on both eventually. However, I believe I can pay off these cards before any interest kicks in. The second option is to get a boat or personal loan for the $11K and pay about 10% interest. I would intend to pay the loan as quickly as possible as well. My question is, should I finance the boat using $11K of credit card at 0% interest or get a bank loan?

  12. Florance October 20, 2013 at 6:50 am Reply

    I have 3 credit cards equal to about 2,000 that I am paying off. All cards are closed but once I pay it off will this help my credit score? I currently have 1 active credit card.

  13. Soledad November 4, 2013 at 5:04 am Reply

    Is it better paying of Credit Cards BI Weekly Or monthly. I want my credit score to get in the 700’s.

  14. Shelton November 4, 2013 at 6:08 pm Reply

    Would it be find to have 5 credit cards and be in a good standing?

  15. Frederick November 4, 2013 at 6:08 pm Reply

    I am new to the world of credit! I currently have 2 credit cards from Bank of America and Wells Fargo for 2 months. Should I still apply for another one or two or three?? If so, what’s d’ best credit card for the people whos just starting building credit.

  16. Stan November 4, 2013 at 6:09 pm Reply

    I have four credit cards and I want to put the amount owed all onto one credit card with a lower intrest. I also don’t have very good credit. Any help would be useful. Thanks.
    The amount owed is not more than 1,500 between the four. I always pay double of what the minimum payment is.

  17. Josephina November 19, 2013 at 1:14 am Reply

    If someone is unable and doesn’t make payments on several of their credit cards, what can a credit card company do to you? Are they able to take your car? Your home? What is the most they can do to you?

  18. Cayla November 20, 2013 at 7:15 pm Reply

    I have several credit cards. Most of them have a zero balance. I do notice the credit card companies keep sending me blank checks wanting me to take advantage of low interest rates theyre offering.
    Will the financial troubles have any effect on my credit cards? If so, what?

  19. Dorothy November 23, 2013 at 5:32 pm Reply

    I heard somewhere that some credit cards can damage your credit even if you pay on time and more than the minimum balance. Is this true? What kind of credit cards would be like this? Thanks for your help!

  20. Wilber December 2, 2013 at 7:24 pm Reply

    I want to compare the different credit cards from citibank and apply online.

  21. Chang December 3, 2013 at 4:16 pm Reply

    I wish to avail one. In many places VISA® credit cards are mandatory. For example, last year I tried to register for G.R.E., and they did not accept my Axis bank debit card which is a VISA card. In their website, they ask for VISA® or MasterCard® credit card/debit card. Can anyone please explain?

  22. Tiffaney December 4, 2013 at 11:04 pm Reply

    I’ve always been able to find a 0% interest credit card with no transfer fees. My most recent card’s introductory offer has expired. Can you help me find another one now?

  23. Mervin December 10, 2013 at 10:13 pm Reply

    Can you please include the types of cards that a 19- year- old can get. What I mean is, some credit cards are difficult to receive based on age etc. I have a credit card and I dont like that company and I am about to actually close the account, but I want another credit card..

  24. Spencer December 16, 2013 at 2:43 am Reply

    I have excellent credit, all 3 scores in the 758 to 798 range. I only have 2 credit cards, but theyre both just basic cards from when I was 18. They don’t offer benefits/rewards or anything. What card can I apply for that gives rewards to people with good credit?

  25. Darron December 23, 2013 at 8:44 am Reply

    I’m trying to build my credit. I recently turned 18 and I want to apply for a reliable, low-interest rate credit card. Which one would you recommend from experience?

  26. Dorthea December 23, 2013 at 8:47 am Reply

    I have an auto loan with a ridiculous interest rate that I have been trying to pay off for years now. I recently became eligible for a 0% APR on a new credit card for balance transfers.
    So I want to know: will transferring my auto loan to the credit card count as a balance transfer or purchase?
    I haven’t applied for the card yet, and don’t want to if its not going to count as a transfer!

  27. Terry January 13, 2014 at 11:53 am Reply

    My mom wants to transfer some credit card balances that she has over to a new credit card that offers a lower interest rate. Does anyone know some good credit cards with low interest rates?

  28. Pricilla January 14, 2014 at 12:59 am Reply

    I hate credit cards, but need to build credit. I would like to have a prepaid credit card and a normal fico building credit card. No annual fee of course. Then I will spend up to my prepaid cards limit on the credit card and pay off the credit card every month with the amount on the prepaid. Genius or problems?

  29. Edna February 2, 2014 at 6:16 am Reply

    I’m in the process of paying down my debt and it would be nice to do it at a more reasonable interest rate. Basically all of my cards are in the 20% range and i’ve been told you can negotiate a better rate. My score is in the mid-600’s and all accounts are in good standing. Does anybody have any history of successful negotiation in a similar situation, and if so what’s in it for the company to do so?

  30. Chana February 2, 2014 at 6:25 am Reply

    I want to get a credit card, but every time I start to look, it seems like my basic knowledge of credit cards is wrong.

    When the credit card companies say “Enjoy a 0% Interest* on purchases for 6 months” what does that exactly mean. I know that after that 6 months, the regular APR rate will take affect, but then what does that mean.

    Can I have a credit card and never pay interest even when the APR rate is like 15%?

    I thought that if you payed off your balance in full each month, then NO interest will have to payed, but when reading online I am unsure if that is true.

    I should have applied for a credit card a while ago, but I have always found myself not doing that and paying w/ cash.

  31. Alfredo February 2, 2014 at 6:39 am Reply

    I have a Citibank Platinum Plus credit card, which came with an intro offer of 0% APR for 9 months. I’m planning on paying down most of my balance by the time the 0% intro rate expires (it will then change to a 9% apr). But now I’m wondering if I still carry a balance after the 0% intro period is up, will I be charged for interest that would have accrued for the whole year? I know this is a common practice with retail credit cards, but I don’t know if it works the same with regular ones. I’ve read the fine print on my credit card contract, but I’m just not sure about this part of it.

  32. Paulita February 13, 2014 at 1:24 pm Reply

    Any accountants or anything out there?

    What is a “prime” rate? How good is 0.9%? Is that low very common? “interest rate” means more money added every month?

    Thank you.

  33. Mason February 18, 2014 at 6:38 pm Reply

    ok so i have a lot to pay off. first of all i have 2 credit cards. on has 2800 one has 400 . ok the question is i want to know how i can pay it off faster. right now i am paying the 400 off first. but the other one i have been struggling to pay it off so much. should i get a loan out for it? people say i shouldn’t because of my credit or should i just apply for one more card with no apr for a year? i did owe 3800 but i had a friend let me borrow $1000 which im paying her off on the side so that helped a lot since she ain’t charging interest…

  34. Carlos February 21, 2014 at 10:03 pm Reply

    it is now at 33%. they keep giving me overlimit fees because i amke the minimum payment but if the interest puts it over the limit then i get a 40.00 overlimit fee. i have put 500.00 on this card and they won’t work with me. what can i do?

  35. Trang February 22, 2014 at 1:04 am Reply

    A family member suggested I get a secured credit card to help build credit for myself. I figured this was a good idea, however, upon looking USAA also has a student credit card. Which one would be a wiser idea for a 18 YO college student to apply for and use for small purchases (I was thinking of just using it to buy gas or occasional groceries)?

    For reference, here is the student card:
    here is the secured CD card:

    I should note I have no credit, and haven’t applied to either yet.
    Thanks for the detailed answers, all! Going to go for the secured card, and use it through community college then advance to an unsecured card!

  36. Wyatt February 22, 2014 at 3:37 am Reply

    Hello all. I have 7 credit cards. 6 of them were store credit cards and balances are PAID OFF. One got closed on its own before I paid it off, and two other I cancelled out on my own. The 3 store credit cards I have not cancelled yet since an answerer on here mentioned that open, active accounts increases your credit score. I am currently only working on my last credit card – Citi.

    My question is, when you pay off your balances, since the credit cards report to the bureaus once a month, does it let them know I’ve paid the balances off OR do I have to specifically request for them to ?

  37. Rey February 22, 2014 at 3:44 am Reply

    I want to call and ask for a reduction. The interest rates are crazy! What is a reasonable rate??

  38. Lance February 22, 2014 at 3:44 am Reply

    Hypothetically, let’s say I have a card with 9.99% APR and a $5,000 balance. How do I figure out what my monthly interest would be? How do the banks calculate it? Please show me the math and tell me which numbers you are using specifically.

    Thanks in advance!

  39. Sol February 22, 2014 at 3:46 am Reply

    For the last several years, I’ve had a Capital One CC with a fixed 0.9% APR. I know it has been a dream credit card, but I have outstanding credit. So just the other day I get this notice in the mail that I will soon be getting a new “default rate” of 29.4%. I have always paid well ahead of the due dates and made more than minimum payments, if not all of the monthly balances? So what’s the deal? Has anyone else received this BS? It’s as if they are trying to screw over their most loyal customers to make some extra cash. I’m paying these bozos off and good riddance! I could see, okay times are tough and we need to bump things up to 7 or 9 percent, but this is over 30x an increase.
    Heather: What I received was a notice of a “change of terms”. I have nothing adverse on my credit report, including zero late payments to anyone. It’s as if they are raising my rate “just because”.
    Quwe, thanks for the website but my interest rate was never an interductory rate. It originally was one of those “Prime Lock” cards they advertised a few years ago, and after a year or so of good standing they lowered it to the LIBOR rate, and then down to 0.9 fixed. Nothing was temporary…I gotta call these guys.

  40. Vernon February 22, 2014 at 3:47 am Reply

    I applied for a credit card and the application was successful. Now I want learn how it works. It states on their I have 0% on purchases until April 2011; after that, 13.9% variable. What does that mean?

    Can someone give me some examples on how this interest all this jargon work out. I have a limit of $1000 and I have already used up $200 on it. Can I leave this outstanding payment until next year and pay for it then or will they charge me? If so, how and how much?


  41. Codi February 22, 2014 at 5:44 am Reply

    I’m going to apply for my first credit card the interest rate says

    Annual Interest Rate

    Annual Fee
    first year,
    $0 after

  42. Annice February 22, 2014 at 5:44 am Reply

    Just want to expand on my question. For most or should I say some of the credit cards, they say first 3/6 or 12 months 0% on purchases.

    Does this mean that after this time, I will have to pay the percentage of the items in which I have purchased, even I pay it back using direct debt?

    Eg. If I were to purchase an item for £100, then after the 12months 0% purchase period, say it will be 10%, and at the end of the month or after the borrowing period, before the deadline I will be paying £110 or just £100. As what I think the purchase is what I purchase and the percentage is what I have actually purchased….(if this make sense)

    If this true, then there isn’t a lot of credit cards which do offer lifetime 0% on purchases, so why should we use credit cards if this is it. Hope i’m wrong in explaining this. Otherwise this isn’t good at all to use a credit card as you will be paying x% more.

    Thanks, hope to see your answers….
    No, I don’t have this credit card, I just want to know more about this term.

    Also, if anyone has any good suggestions, please do offer them if possible. Thanks
    But the real problem I am raising is about will they charge me a certain percentage for my purchases + the interest if I didn’t pay the payment on time (APR rate). Or it is just the APR rate which is just what the credit card company charges.

    I understand all the answers given to me, thank you, but it’s not the answer I was hoping for.

  43. Cleopatra February 22, 2014 at 6:57 am Reply

    Wheres a good place to get a credit card if you have no credit and no credit score ??ANY SITES??? Or do you know another way to build up your credit

  44. Shelley February 22, 2014 at 9:05 am Reply

    i have just applied for a credit card at american eagle and its interest rate is 24.24 % is that good?
    For example if i buy something for 16.00 how much would it actually charge me in the bill with that interest? thank you!

  45. Jillian March 2, 2014 at 8:08 pm Reply

    Full explanation:
    I signed up for a 6 mo 0% APR credit card through chase. My outstanding balance was just above $1000. I looked up that my introductory purchase rate expired 04/2012 so I just paid it off (I had been paying min balance only). It seems as if no interest has accumulated because there was no additional charges on my credit card statement. Just to make sure I understand this correctly… because the intro rate expired this month, if I HAD NOT paid the full amount off, I would have been charged at an APR of 19%? My due date on the credit card is the 23rd of each month, and I paid the minimum balance that was due 4/23 back in late March so I thought that the 5/23 balance that was due would have included interest but it did not… that is why I am confused. Instead of waiting around to see if interest would be added AFTER the 5/23 due date, I went ahead and paid the full balance. Sorry for the long explanation, I just want to fully understand this process! Thanks

    in short:
    0% intro APR expires 04/2012
    $1000 balance
    3/23: min payment of $25 due, paid 3/21
    4/23: min payment of $25 due, paid 3/26
    5/23: min payment of $25 due, paid full balance 4/27
    I thought the amount due by 5/23 would have had interest but it didn’t

  46. Alfred March 11, 2014 at 3:25 pm Reply

    There are a few credit card companies that are offering credit cards with 0% interest for 12 months and $0 annual fees.

    Therefore, cant i just use a credit card to pay all of my expenses for 12 months and deposit all of my income into an ING direct bank account (which gives 5% interest rate), and when the 12 months are over, pay the balance that is on my credit card that is in the bank and then keep the 5% interest that has been saved into my bank account? 5% is a lot when you consider $20,000 worth of expenses.

    The underlying question is that are there any hidden fees that i maybe missing that will make this plan unprofitable?

  47. Sean March 17, 2014 at 3:10 am Reply

    I was on the phone with a representative from my credit card, and was trying to find out how the interest works. I was told that as long as I pay my minimum amount owed every month, that 100% of that goes to the total bill. And that the interest only comes into play when you are late on a payment. Is this correct? I don’t see how making the minimum payment will bring the total down at all.

    Do they take the existing amount owed and times that by the interest percentage? How does it work?

  48. Modesto March 17, 2014 at 3:11 am Reply

    I am looking for a credit card that has low interest, ideally below 10%. Any suggestions and where can I get it?

  49. Sumiko March 19, 2014 at 6:07 pm Reply

    I see that there are several credit cards that offer 0% APR for 6 or 12 months, but what exactly does that mean? I already have 3 credit cards, but I pay them off in full every month so I’ve never paid attention to fees.

    Right now I’d like to buy a laptop for school, and pay it off in 6 months but I don’t want to pay any extra fees or interest rate in this period, is this what 0% introductory APR cards are for? And are there any hidden fees I should watch out for?


  50. Kerry March 25, 2014 at 3:46 pm Reply

    I currenty have a master card that has outrageous interest rates so im looking for a new one..anyone have any suggestions?

  51. Pricilla March 26, 2014 at 10:53 pm Reply

    or does it mean 0% for ever every time you use the card?

    Thank you in advance!

  52. Carina March 28, 2014 at 5:42 pm Reply

    Just curious… do like ALL credit cards have interest rates?

  53. Lavern March 31, 2014 at 10:33 pm Reply

    I went onto a credit card comparison site called http://www.CreditCardRadio.com It was very helpful and I got a low fixed interest rate credit card. Would it have been better for me to get the 0% intro rate for 12 months? Both options seemed like good deals. My fixed rate is at 4.99% for life of the transfer.

  54. Rusty April 2, 2014 at 11:46 pm Reply

    Can anyone recommend a credit card that has a 0% introductory rate for 12 months? It also needs to have a $20,000 limit. Basically, I need a short-term loan and don’t want to pay any interest or beefy payments. Thanks!

  55. Karla April 2, 2014 at 11:46 pm Reply

    Where can I find hotel reward credit cards?

  56. Delisa April 7, 2014 at 10:10 am Reply

    Right now it’s about 6%. Bank of America is telling me they can’t go any lower…. is he wrong and is there still room to negotiate? My credit score is above average and I used to get all these 0% card offers…. but not anymore due to the economy. Yet, can I still try to get BoA to reduce my rate on my credit card with them?

  57. Errol April 14, 2014 at 3:01 am Reply

    From the books that I have read and advice I have seen on tv, they always tell you to call your credit card compaines and ask them to reduce the rates. We have a few store credit cards and I called and asked and all of them said no. Is there a certain place to call? I know that I can do a balance transfer but I don’t want to get into that trap. I don’t want to consolidate them and get into it any deeper. Any thoughts. We don’t use our cards we have cut them all up but the interest rates are killing us on the balances we owe. Compaines don’t bother to send me offers!
    My credit score is 742 which is on the higher range. That is why I want to get this taken care of to keep it that way.

  58. Julieta April 18, 2014 at 11:56 pm Reply

    I was thinking about getting a credit card but I don’t know which one is the best on low interest rates I was reading up on the blue credit card by american express is that one good?

  59. Dayle April 19, 2014 at 3:28 am Reply

    my credit card through bofa was at 10.99% and i have a balance of 5900 on a 6000 limit, i know should pay it off, but this past statment without warning they rasied my rate to 27.99. is this legal? i know the new legislation doesnt go into effect until 2010. how can i get it down again? it nearly went up 3 time the rate!

  60. Danilo April 19, 2014 at 2:29 pm Reply

    This is kind of a two part question:I have recently refinanced my mortgage to pay off huge credit card debt, and unfortunately the pay off was off by 4,000. I was hoping to pay off the card completely, and now still owe 4,000. I canceled my card. Does anyone know if I should re-open it to try to negiotate the APR to a lower rate? I was told because I closed it I can’t negioate the APR. I hate to re-open it, and then be told they will not lower the rate. How does this effect my credit rating? Also if anyone has any advice on working with a credit card company on lowering my rates that would be helpful. The bank is Chase (don’t know if that makes a difference)

  61. Lillie April 19, 2014 at 2:29 pm Reply

    I have a line of credit at a bank at about 16% APR. Can I transfer that balance to a credit card to get a lower APR, or even a 0% APR using a balance transfer offer? I have a credit score of 650 (which I have read on the internet is considered “very good”).

  62. Gale April 19, 2014 at 5:10 pm Reply

    I need to make a purchase for $5,000. I was going to get a loan from the bank but then I got an offer for a 0% interest credit card and thought that would be great…I know how the whole thing works and it is limited to 6 months and then jumps up or whatever..But this is what I was wondering..If I were to put a $5k purchase on the card how long would they give me to pay it off?? How much would they expect each month??? With the bank you can set up the payments due by the amount of time on the loan but on the card?? Does anyone know if there is a standard percent of the amount you owe them or anything that they want back each month on a credit card purchase???

  63. Johnette May 12, 2014 at 7:06 am Reply

    Hi there,

    Quick question…For building credit, is there a difference between student credit cards and regular credit cards? Because I’m gonna apply for a new credit card, and I wanted to see if I should choose the college credit card or a regular one….or if it even matter in terms of building credit. Thanks.

  64. Elvin June 12, 2014 at 5:52 am Reply

    I have a credit limit of 2500. and I’ve spent 1500. and my interest rate is 14.99%. I don’t really need to use my credit card anymore and i just want to pay it off. So my question is What could i do to lower my interest rate? Is that a good interest rate already? Any suggestions on what i could say to get them to lower my interest rate? I’m pretty lost on this one, Any info would help! Thanks

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