0 APR credit cards are here to stay. Now that we're well into the New Year we've learned (again) the lessons of the festive season. Zero interest credit is a nice idea Houston Astros Jersey , but why not extend it beyond your present credit card to the next, and the next. This seven point checklist will assure the clever consumer of having that constant low APR credit for years to come.
1. Read the small print. Make sure it matches the offers on the credit card's advertising copy. In particular, check for clauses that differentiate between purchases and cash transfers, or even cash withdrawals. Check that the card doesn't stipulate a ratio between purchases and cash, charging an excess if the cash activity rises above the purchase activity (that is usually the way it is biased Miguel Cabrera Jersey , but check to make sure).
2. Keep to the agreed credit limit as specified in the agreement. Do not exceed the balance limit as specified on your original agreement, or that'll be the trigger for extra charges.
3. Pay at least the minimum charge in full. Even better, set up a standing order or direct debit with your bank. You can arrange to have the minimum paid directly and electronically from your bank account every month.
4. Avoid late fees by paying on time. There is a danger with people who have the benefit of a 0% APR credit card that they will tend to become complacent about it and forget to pay it. Yes, it does happen. But every time a payment is received late credit card providers can and will charge a late fee. This can add up, especially if someone is habitually late. Again Christin Stewart Jersey , an automatic direct debit from your bank account is the best answer.
5. Factor in any extras in the agreement, as stated in the small print (which you will have read). For example, an annual charge may be applied to offset the 0 APR. Some 0% APR cards do this but others do not. Bear in mind that the whole APR concept was meant to level the playing field as far as extra charges were concerned. By paying an annual charge for your card you are not truly getting a 0 APR card.
6. Make sure you have in mind a new low interest or 0 APR credit card waiting by to which you can transfer the balance of your present credit card. Why have 0 APR credit for 6 months or 12 months when you can have it for years and years? Always check the press and financial columns for new deals and credit card offers with this in mind. Join an Internet forum that specialises in such matters.
7. Make sure that you transfer the balance of your existing credit card to your new credit card in full and on time. In particular, allow for time to process the balance transfer and for all the paperwork involved (yes, even in the age of the Internet there is still a certain amount of paper involved!) and be careful to check that the opening balance allowed on your new 0 APR credit card is at least the same or exceeds the balance that you wish to transfer from your existing credit card Nick Castellanos Jersey , or the shortfall will cost you money!
Mobile Apps- Changing Marketing World
Posted by larrystem4 on November 20th, 2014
If you are a smart phone user, you might also have been familiar with the mobile apps. These are the various applications used daily by Smartphone users for random things. It can be for entertainment, education, for checking flights Josh Harrison Jersey , booking tickets, booking movie, checking out the nearest restaurant or booking space there, booking hotels and flights, knowing about some places Kirk Gibson Jersey , getting connected with friends and family, staying updated with the world through news, listening to music and so on. You name it and there is a mobile app available for that particular thing.
Started with the idea of educating and entertaining smart phone users along with enhancing the concept of a smart phone, mobile apps have come to a long way. It is no longer those simple graphic based games or email application you had, but have become efficient in giving a 3D experience using high quality hardware and software exactly like your computer.
You can now use these mobile apps for utilizing the phone as a desktop Al Kaline Jersey , having all the similar features. Apart from all these factors, mobile apps in Birmingham have also made changes to one of the powerful field- marketing.
Companies and production houses are using this technology for reaching out people in different locations. Boundaries of countries, language and education is considered to be nonexistent in this world now when you can use app of any country in any part of the world by making a couple of setting changes. Business owners are aware of the increasing popularity of Smartphone among young generation; hence, they wish to target them by using educative apps, games and such other applications.
Even the e commerce industry is trying to make shopping easy for the buyers through these apps. As a user or buyer Alan Trammell Jersey , you will no longer have to wait to reach home or a desktop for that purpose. Take out your mobile, download the app, log into it and you are good to go. Some of the e commerce giants are also making available special discount packages for app users to lure them. Apart from these ones, there are several applications, which can be used to track shipping of a package Detroit Tigers Jersey , status of flight, hotel and such other things.
If you haven’t considered about using mobile applications for promoting your brand, this is the time to contact a good mobile application company and get started with it. Choose the right method, theme as per the customer and product category for an attractive eye catchy application.
Sync Interactive, an award winning full service mobile marketing Company. Besides Nolan Arenado Jersey , we also provide iPhone, iPad & Android App Development service in Birmingham, UK.