Vectors and 3D Models
Local Search - Finance
Weather Information
Get the App for Smartphones and Tablets

Go Back

WhmSoft Free Articles Directory
Free Articles for Reprint
Free Articles to Publish
Free Articles for Newsletters
Videos to Watch

Page Generation Date and Time:
12/09/2019 12:00:30

Free the Animation VR / AR
Play to reveal 3D images and 3D models!
Demonstration A-Frame / Multiplayer
Android app on Google Play
vlrPhone / vlrFilter
Project of very low consumption, radiation and bitrate softphones, with the support of the spatial audio, of the frequency shifts and of the ultrasonic communications / Multifunction Audio Filter with Remote Control!

Alexa Data

Go To Articles Directory Home Page

To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !

Tell a Friend:

With your mobile phone (WAP / I-Mode / iPhone / PDA), for free:
The Top News -
The Daily Files -
All the Directory Files -

Web version of feeds:
Podcast Music -
Daily Files -

You can play the Guitar Drum Revolution game (flash game) by following the link below:
Play Guitar Drum Revolution Game

You can play free online games (flash games) by following the link below:
Free Online Games

Play the samples below:
Cake HousePuzzleSnowball Pinball 2Chaos FactionSnowy Treasure Hunter 2

You can view the people (celebrities) news and the front page news (with videos, images and constant updates) by following the link below:
View Recent News
or by visiting the WhmSoft Service blog:
News Photos Slideshows

Article Keyword Videos to Watch
Click on the image to start the video.

Related Topics
Images - Links - Articles

Las Vegas

Related Images

Article Category Videos to Watch
Go to the Videos Pages

Low Interest Credit Cards - Make Sure You Have The Cheapest Rate

Making sure that you pay the lowest rate of interest chargeable on your credit card usage is vital if you want to maintain an effective money management scheme. As such, knowing how to make sure you pay the lowest interest rate on your credit card should be viewed as an essential element to deciding which credit card you should select.

As we all know, credit card companies are not in the business of giving away a free service and one of the ways in which they make a big part of their income is charging interest on any balance you carry-over from one payment period to another. Although this interest is charged monthly, interest accrues on interest and consequently credit card companies are required (in most cases by consumer law) to advertise their interest rates not as a monthly sum, for example 1.9%, but rather as annual figure, for example 22%. Because the interest rate advertised is calculated over the period of a year, it is known as the Annual Percentage Rate, or APR for short, and is the quickest way of telling which credit card company charges the lowest rate of interest for using their card.

Having said this, there are a couple of additional things you need to keep in mind when comparing the APR advertised by different card issuers, namely:

Annual Fees

Does the issuer you are considering using charge any annual membership fees? This is an important question because some issuers can ‘hide’ fees payable for using their card in the form of an annual fee. Indirectly this allows them to lower their APR comparable to those issuers who do not charge membership fees. However, when you include the membership fee as part of the interest rate, often the amount you are being charged is higher than if you had decided to use the services of a provider that charged a slightly higher APR, but no annual membership fee.

Credit Rating

Your credit rating will affect the interest rate you pay on nearly all your borrowing and a credit card is no different in this regard. If you have a good credit rating, you should be expecting to pay less APR. Conversely, if you have a bad credit rating, you should not be too surprised if you find that you are being asked to pay a higher APR.


It would be hard to emphasis how important making at least the minimum repayment on your credit card each month is. If you do not, you will likely find that your provider will increase the rate of interest you are being charged on your account. Sometimes this can occur even though it may not have been your fault that the payment was made late, for example you made the payment but it was received late, and without the provider being required to inform you that this default caused the interest rate on your credit card to change. It is, therefore, imperative that you read the small print of any application form you complete to check and see if the interest rate will change because of any non-payment or late payment and if the issuer will be obligated to inform you that the interest rate has changed.

Of course, the only way to make sure that you pay no APR on your credit card usage is to ensure that you clear your credit card balance each statement payment date. Unfortunately, however, most of us are cannot afford the luxury of paying off our credit balance each statement period and the card issuers know this. So, to make sure you are paying the lowest APR possible, read the fine print of the application form and make sure there are no hidden extra fees or charges and that the rate of interest you are paying really is the card’s advertised APR!

About the Author: Joseph Kenny writes for the Loans Store and offer more information on personal loans and other loan topics available on site.

Visit today:

Recommended Web Site(s):

Easy Articles Home Page - Articles Directory

Recommended WhmSoft Web Sites, Feeds and WAP Address:

WhmSoft Software Home Page - Software
WhmSoft Services Login Page - Music and Images
WhmSoft Moblog Home Page - Blog - Photo Gallery
WhmSoft Free Online Games Home Page - Flash Games
WhmSoft Services RSS Feed - Daily Music, Image and 3D Flash Animation
Classical Music with Drum RSS Feed - MIDI and MP3 Files
Classical Music with Drum Podcast Feed - MP3 and MP3 Files
WAP / I-Mode / PDAs - Daily Music, Image and Flash Animation

Home Pages:

WhmSoft Free Articles for Reprint Home Page
WhmSoft Services Home Page - Music and Images
Copyright (C) 2006-2019 WhmSoft - All Rights Reserved.