No Annual Credit Card Fees A Reality?

There will come a time where someone will tell you, they just signed up for this amazing credit card and there are no annual credit card fees. Then you say to yourself well I pay $49 I am sure if I swop over to the same one I can put that money into the card. Hmmm sounds all great in your head. But then you start to figure out that it is a lot more to it than the $49 annual credit card fee.

May I suggest before I go on to explain the no annual credit card fees, that you choose one of the following companies to do a Free credit check. I hope you know you are entitled to one by law for free. So why not make use of it. Then maybe after you read this article you might want to swop credit cards and if you know your score it could be just a little easier on you.

· Equifax

· AnnualCreditReport

· MyFico

· Experian

No Annual Credit Card Fees:

These cards are the plain old simple credit card or they have rewards programs but boy oh boy do they limit the rewards. So does it really pay to pay for your credit card? Well in certain cases it does, because sometimes the no annual credit card they have certain terms and conditions you are not fully aware of until you sign on the dotted line. I mean what are the other fees of running your account? Do you even qualify for that card, because your credit score is a bit shaky? Yes ok you have a credit card that has no rewards I mean come on now you still getting the best APR% so in the long term you are scoring trust me. These credit card companies are a business and they run it like one. They need to make a profit so they will make everything seem pretty and such a great deal. I mean there are lots of factors to look at

· 0% APR period ?

· Future APR %

· Minimum Transfer?

· Fees?

· Other unclassified fees?

· Payment Order? Pay higher APRs or 0%APR?

· Doing this will it reduce your load period?

· Balance Transfer fee?

Please ask yourself and the new credit card company all these questions, because trying to save $49 a year might cost you $399 dollars in fees you never knew you had to pay!

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