Credit card applications, a great post
With so many offers to choose from, how do you decide which offer is right for you? Start by paying no attention to any of the promotional offers. Those 0 percent interest rates are good only for an introductory period; after six months or so, they shoot up to the real interest rate, which is usually in the double digits. The real interest rate is hidden down in a band of small print on your credit card applications, or is printed on the back in a chart that is deliberately dull and confusing. Use the real interest rate to sort your offers, and throw away the offers at the high end. Give your attention only to the offers with the lowest regular interest rates.