What you ought to realize about fixed-rate credit cards
People who arenâ€™t entitled to membership with UNIFY according to where they live or work may nevertheless be in a position to join by choosing one of several credit unionâ€™s affiliate partners. Thereâ€™s no ongoing fee or commitment on your own component in the event that you go this route.
Cencap Federal Credit Union
The Cencap Visa credit card provides a set 9.9% APR. The credit union serves people whom live, work, go to college or worship in some areas that are underserved and around Hartford, Connecticut.
They offer if youâ€™re looking for a fixed-rate credit card, check with your local banks and credit unions to see what. But make sure to read all conditions and terms closely before you apply â€” and keep in touch with a credit or bank union representative to explain those terms and have any queries. Make sure the rates offered are indeed â€œfixed,â€ and have what may trigger any alterations in the APR.
If youâ€™re trying to finance a purchase that is large donâ€™t plan to carry a balance frequently, an alternative choice to think about is just a card with an intro 0% APR promotion. These cards will allow you to pay back a purchase that is large over a group duration.
Before you decide on a card, consider your goal and focus by which types of low-interest credit card can provide the finest outcomes.
Simple tips to protect yourself from the rising adjustable APR
You can do to avoid paying the higher cost if youâ€™ve noticed that your credit cardâ€™s variable APR has risen steadily along with changes to the prime rate, there are a few things.
Always spend on some time in complete
It’s likely that your charge card delivers a elegance duration in the middle of your statement date along with your due date. (more…)