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Best Tips For Understanding the Terms of Credit Card Offers


If you are looking for any kind of credit card, you best read the terms of the card and make sure you understand the terms in their entirety. Reading the small print is extremely important because you need to know precisely what it is you are getting into when you sign up for card membership.  If you understand the terms, you know the consequences when you do not follow guidelines. Even worse, the card you get can have special benefits or rewards you end up knowing nothing about until it is too late to really benefit.  Thankfully, there are online tools you can use that not only help in selection but better help you when it comes time to weeding throw the various offers and their terms and conditions. 


Your One Stop Resource for Credit Cards

Using effectify service, a bank card directory site, is the first place to start in your credit card search. Why waste time surfing all over the Internet when you can find all the best opportunities in one place?  It makes it easy to find the types of cards you desire. You can search for cards based on a variety of credit backgrounds. It makes it simple to discover offers for those with excellent credit or even those who are looking to establish credit for the first time. If bad credit is the issue, there are additional card options to consider.

Examining APRs

Effectify lets you pull up a list that suit your search and the site has powerful search filters to narrow down the selections. You can check out new offers with an APR of zero percent, or you can look at current offers and compare their annual percentage rates side by side at a glance.  Other information provided to you at a glance, as you browse your list include:

  • Annual fee versus no annual fee
  • Cash back options if applicable
  • Rewards or travel points if applicable
  • Transfer fees
  • Balance Transfer APR percentages
  • Estimated savings over a three-year period of usage

Thus, at a cursory glance you can see if considering the fine print of a card is worth your interests or not.  If the initial features don’t appeal to you, then you can move onto the next offer to see if it will suit your needs.

A Wide Range of APR Credit Card Options

The APR or annual percentage rate assigned to your bank card is made known to you immediately.  People with no credit or bad credit will likely face higher APRs simply because the higher interest rate absorbs some risk, but people with great credit ratings can sometimes get an APR between 10 and 20 percent or a new card that comes with a zero APR for a short time.  Effectify allows you to discover the cards that fit your budget and lifestyle all while seeking out the lowest interest rate.