Credit Cards for Winter Winter season is a serious challenge for your personal finances. All the gift shopping and the winter trips are pretty costly. Let alone the winter utility bills and all other purchases. Every New Year is a time for rethinking your life and making resolutions for the next year. Why not do just the same with your home banking? Let the new 2009 year be a new chapter in your life and in your finances. Try to maximize the savings and minimize the expenditures. Analyze your last year's financial policy and think of a way to optimize some superfluous expenses. Like if you're facing difficulties paying off multiple bills think of having all your eggs in the same basket. You could be saving more if you paid all bills with one credit card. Especially if it's a low APR or zero introductory interest balance transfer deal.

Bank Name Card Name	Intro APR PURCH.	Intro Period PURCH.	Intro APR BAL.TR.	Intro Period BAL.TR.	APR %	Annual Fee	Apply
Discover® Card More® Card	0%	6 months	0%	6 months±	11.99%±	$0	Apply
Discover® Card More® Card - American Flag	0%	6 months	0%	12 months	11.99%±	$0	Apply
Discover® Card More® Card - Clear	0%	6 months	0%	6 months±	11.99%±	$0	Apply

Pay your utility bills with a plastic. 9 out of 10 utility companies accept MasterCard, Visa, Discover, American Express or Diners Club plastics. Many companies promote this way of paying your bills by offering you convenience fees (special reduced rates). Why not pay for all your expenses with one plastic? It's convenient. You save time on writing out checks and making all the way to payment windows.
By consolidating all your expenses on one single plastic you earn some serious bonuses. A plastic with rewards program can offer you points, cash-back or miles rewards. The amount of bonuses you get depends on how much you spend with the plastic. Check with utility companies in your state. Do the math on fees. Paying utility bills with a plastic is a way to save only if you're used to paying off the bills in full every month.