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:
12/11/2019 03:25:40

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:
00553 Mv 017 Metal Armor00102 Memory Madness1262 Mani GolfTribal GameSift Heads 0

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

New Orleans

Related Images

Article Category Videos to Watch
Go to the Videos Pages

Choosing A Credit Card That Suits Your Repayment Habits

When choosing a new credit card it's best to pick a card that suits your spending habits. However, this is not the most crucial factor. Even more important is to choose a credit card that matches your paying habits. This will ensure that you don't end up paying over the odds to repay your credit card debt. Consider these scenarios:

Big Spender, Big Payer

You put most of your spending on your credit card each month. Petrol, shopping, clothes, days out, drinks at the pub it all goes on there. But you're one of the lucky ones. You earn enough to be able to pay off the balance in full each month. If you're this kind of spender, you won't be worried about the interest rate, provided the card has a long interest free period. (Some cards charge interest from the day of purchase; this is not a good option for regular spenders). The best card for you will be one that has other incentives, such as cash back or reward points of some kind.

Some people spend regularly on their credit cards, but can't clear the whole balance each month. If this is you, you'll want a card with a low annual percentage rate. This will keep repayments on uncleared balances relatively low. Check for cards without an annual fee but with other incentives if you can get these at a low rate.

Look For Low Interest

If you put most of your spending on the credit card but pay off very little or the minimum amount, then you need a different type of credit card. A card with a very low interest rate will keep repayments manageable. It's also worth checking to see what percentage of the outstanding balance has to be repaid. This can vary widely.

Another option for those who leave large balances on their credit cards is to shop around for balance transfer offers. Some of these offer a low rate for however long the transferred balance stays on the new credit card. This is usually significantly lower than the bank rate and can help with managing long term debt.

Some of credit card companies offer a balance transfer rate of 0% for a fixed period of six to nine months (and occasionally 12 months). This means that anything you pay will reduce the outstanding balance on the credit card. This will help to keep finances manageable.

Rate Surfing Advantages

You could also consider becoming a rate surfer. This means applying for a new card before the expiry of the 0% offer and transferring the balance to a new 0% credit card. Do this for long enough and the outstanding debt is bound to go down.

Whichever offer you choose, remember to look at the fine print. For example, credit card cheques arrive in the post and it can be tempting to use them. However, some credit card companies charge a higher rate if you use credit card cheques than if you spend with the card.

Its also advisable to see if the rate that applies to balance transfers also applies to purchases. Sometimes new spending on the credit card is charged at the standard rate. In these cases, payments are often applied to the lower rate balance first, which means you could end up making higher repayments than you had planned.

About the Author: Joe Kenny writes for the Card Guide, a UK based credit card comparison site, visit today for introductory balance transfers and start clearing credit card debt today.

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.