What you ought to realize about fixed-rate credit cards
People who aren’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 union’s affiliate partners. There’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 you’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 — 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 “fixed,†and have what may trigger any alterations in the APR.
If you’re trying to finance a purchase that is large don’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 you’ve noticed that your credit card’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…)