1
vote
4answers
268 views

Are 'no interest if paid in in x months' credit cards worth it?

So my current laptop is dying the slow death, specifically the charging circuit in the motherboard is failing; the battery charges in another laptop of the same model. I've considered just running it ...
6
votes
6answers
1k views

Is it better to buy a computer on my credit card, or on credit from the computer store?

I am interested on buying a computer (approximate cost USD 600). I can pay for it either with my credit card, or apply for credit in the computer store. What are the advantages of using one form ...
8
votes
2answers
270 views

How does Paying credit card in full VS paying with interest will affect your credit score?

What is the effect of paying credit card in full or with interest on your credit score?
1
vote
1answer
49 views

Where can I find a list of credit card interest rates for US issuers?

I'm looking for a website (hopefully independent of major card issuers) that has a good list and comparisons of credit card interest rates for the United States as well as historical data showing how ...
4
votes
1answer
68 views

NFCU credit card rates are locked by government ruling?

I keep calling Navy Federal Credit Union asking for a credit card rate reduction, but they tell me that they "haven't gotten permission from the government yet" to unlock the rates. They say it was ...
8
votes
4answers
171 views

How do you get a lower interest rate on your credit card?

I have a credit card that I am currently paying 14.24% interest on a balance. I'm working on paying the balance off. In the meantime, what's the best way to lower the interest I'm paying on the ...
5
votes
3answers
211 views

What 25-day investment, principal guaranteed, can be used for credit card arbitrage?

What is the most profitable 25-day investment I can make that guarantees that I at least get the principal back? Notes: Many brokers accept credit card deposits w/ no fees, and the credit card ...
5
votes
3answers
516 views

Is there a way to convert from a monthly rate to annual?

This might seem like a silly question, but I'm trying to work out how much something will cost if I pay for it on my credit card instead of paying monthly to the company at their interest rate. The ...
5
votes
2answers
292 views

What does zero interest on credit card balance transfers mean in practical terms?

I'm considering applying for another credit card with my existing bank. (It's a Platinum Credit Card if any one is interested). The site states: 0% on balance transfers for 16 months What does this ...
4
votes
1answer
92 views

How often to call Credit Card Customer Service for Rate Reduction

I've seen 6 months mentioned a lot, but in some of the information I've consumed I've heard that some people call their customer service as often as each month. I'm pretty sure they make notes on how ...
4
votes
2answers
93 views

How important is Fixed vs. Variable rate for credit cards?

I have decided to get a new credit card. However, when looking through the various options for cards, it seems like all of them are variable rate cards. What's the downside to using fixed- vs ...
2
votes
2answers
145 views

How to do Credit Card debt consolidation or get rates lowered?

I have a friend that has five credit cards of debt. A couple of the cards have high interest rates (20-25%). The rest are 15% and below. The total debt combined of all five cards is ~$10k. How ...
8
votes
5answers
270 views

How do I find the best 0% interest balance transfer credit card available in the U.S.?

How can I find the best 0% interest balance transfer credit card? Or is there a website that will tell me or help me find the best cards available? It's hard to filter through all the small print on ...
5
votes
2answers
133 views

Why Are Credit Card Rates Increasing / Credit Limits Falling?

I thought that there was recent legislation passed that forbid banks for jacking up rates as they had been doing from late 2008 into the first half of 2009. All of my credit cards have seen increases ...
59
votes
14answers
3k views

Should I finance a new home theater at 0% even though I have the cash for it?

My wife and I are considering buying a home theater - plasma TV & new stereo - on Black Friday this year. We do have the cash for it, but Best Buy is offering 0% financing for up to 3 years on ...
10
votes
3answers
304 views

Is it worth it to use “balance transfer” credit cards, to take advantage of low-rate offered as sign-up incentives?

I'm attracted by the low interest, but scared of having too many credit cards and losing track of payments, or worse, adversely-affecting my credit rating or future borrowing potential by having "too ...