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Questions Found with the Tag: "Interest Rates"

Boscov’s credit card offers 15% off first purchase and its very tempting. I want to save but do not want to be in big debts because of high fees and rates on my credit card. Could you help me out and research Boscovs card terms?

Answered on

Its true that co-branded credit cards tend to have higher fees and rates than general credit cards. If you want to save there are options for any situations: credit cards with up to 18 months of 0% APR on purchases, low fees credit cards and, of course, credit cards with rewards on all purchases…. Continue reading

I am a student and do not have credit at all. Do you think I will qualify for the Ulta Beauty card?

Answered on

The Ultra Beauty’s credit card is a store credit card and store cards usually require applicants to have an average credit history. Continue reading

I’m thinking of buying an engagement ring for my fiancee at Kay Jewelers. Does it make sense for me to apply for a Kay Jewelers credit card before I make such a big purchase, or should I just use my regular credit card?

Answered on

First of all, congratulations! Second – that’s a great question. It’s tempting to want to apply for a Kay credit card when you’re about to make a purchase from their store. Continue reading

How does interest work on a loan?

Answered on

The average interest rate on a personal loan is somewhere in the range from 10% to 28%. Your actual interest rate will depend on your creditworthiness, length of the loan, loan amount, and the lender. To determine your creditworthiness, and therefore to make a decision whether to extend a loan or… Continue reading

FAQs Tags: Interest Rates, Loans
My husband and I are looking for a lower interest credit card with a $3,000 initial credit line for our business so that we can purchase inventory. Which card do you recommend we apply for? My bankruptcy was in 2000 and I have had very good credit since.

Answered on

You should consider a business credit card. They usually have low interest rates and high credit lines. Many of them also offer a zero percent introductory period on purchases as well as different reward programs. You will be able to earn bonus points or cash back.  Also, if you fly a lot you can… Continue reading

I heard Discover’s cash back can be used at Amazon, is that true? If yes, could you tell how it works?

Answered on

You are right. It’s called Shop with Points at Amazon.com. Discover allows to use cash back instantly at Amazon.com checkout. Continue reading

How to calculate APR?

Answered on

APR, or an annual percentage rate is, basically, the interest that you pay for borrowing money. You can find your APR in credit card terms. Usually APR is the greater the worse your credit history is. For example, for bad credit APRs tend to be around 25%, but for good or excellent credit they can… Continue reading

To me, the best thing about having a credit card is the way you can get access to deals you won’t find anywhere else. What kind of AA deals could I get if I had this credit card? Do other cards offer better deals?

Answered on

The AAA card does offer some tempting things: triple reward points on eligible travel expense, double reward points on gas and grocery purchases, one point per dollar spent on all other purchases, no annual fee and no foreign transaction fees. Continue reading

I heard there is a Marvel credit card. Is that true? Is it a real card or only for shopping at their online shop?

Answered on

Yes, there is a Marvel credit card out there. The card is offered by Synchrony Bank and comes with a MasterCard label on it. Continue reading

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