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How To Get Zero APR Business Credit Cards

Jun 10, 2008
Zero APR business credit cards can save you a significant amount of money every month which can either add to your profit or be invested back into your business. Ideally, business credit cards should be paid out in full every month, thus avoiding interest charges. Unfortunately, businesses like individuals fall back on credit when cash flow is inadequate to cover their needs and when this happens balances are often transferred from month to month. This can create a huge problem in that the interest charges on the balances of multiple cards can create a real burden on a business, making it even harder to weather financial storms. Introductory rate credit cards can give you the breathing space to get back on your financial feet.

Financial institutions are competing for your business. They want you to transfer your business credit cards to them and consequently they offer a variety of incentives to entice you. One of the most effective marketing tools they use is to offer zero APR business credit cards to those who transfer their balances to them. These offers have a limited time period before returning to normal interest rates, however some cards have a relatively long introductory term after which you can choose to transfer your balance yet again to another introductory rate card. In other words, as long as these offers are available you can take advantage of zero and low introductory rates so that you can avoid the high, non-productive expense of monthly interest charges.

You can find zero APR business credit cards by phoning all your local lenders and asking the question, but by far the easiest way to locate these offers is online. By simply doing an internet search on related terms you will discover that there are far more introductory offers than you probably imagined. Your biggest problem will be sifting through the advertising material and making the best choice for your own business needs.

The quickest and easiest way to research and evaluate a number of zero APR business credit cards is to use an all-in-one credit card comparison website. As well as providing an easy to read comparison of various aspects of these credit cards, many one stop shop credit card sites also offer helpful information along with an online application facility. You can investigate your options and apply to transfer your balances at your own convenience. Many lenders also promise fast approvals if you can support your online application claims.

There is no doubt that rising interest rates are putting pressure on businesses. Many cannot survive the cost of debt and business credit cards are often used to cover expenses until cash flow increases. People do what they can to keep going in the bad times. Unfortunately, this often means increased debt which makes it even harder to survive. Zero APR business credit cards can make the difference between business survival and business failure. In these uncertain economic times it is important to do whatever you can to limit expenses. Paying interest on credit cards when zero rate cards are available is an unnecessary expense. Give yourself a break and transfer your balances to introductory offer cards as quickly as possible.
About the Author
Gordon Goodfellow's site shows you how to get zero APR business credit cards in addition to offering 0 APR cards which remain interest-free for years. His associate site offers UK credit card balance transfers in the UK.
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