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What's the best credit card for christmas present purchases? My plan was to get a credit card, buy... |
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Date:
November 29, 2008, 3:11 am |
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What's the best credit card for christmas present purchases? My plan was to get a credit card, buy presents, cut up the card, and pay from then on. Are there any consequences in that method? |
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Answer:
There are no bad consequences in doing it except for if you made purchases and did not pay bills. However, if you max out the card at once, it may hurt your credit score. We suggest that you get a credit card with 0% intro APR on purchases for 12 months so that you have time to pay back the loan for free. You need to have good-to-excellent or average credit score to be approved.Consider getting Capital One Platinum Prestige - Visa , which gives a 0% intro APR period on purchases until October 2009. There is no annual fee and there are valuable Platinum benefits to make use of. Discover More® Card comes with a shorter 0% intro APR period (6 months) but there is a generous cash back rewards program and $0 annual fee. It will help you earn some free money while making Christmas present purchases. If you have average credit score (620-659), apply for Capital One Standard Platinum . You'll benefit from 0% intro APR on purchases, no set up fees and no annual fees. Apply for a credit card to save on Christmas presents! |
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