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Many card providers calculate APR based on several tables. The APR is part of the package when receiving a credit card that you must understand to avoid debt. Nowadays, nearly any company that offers consumers the ability to pay their debts via phone will charge a fee. The fee sometimes starts at $1.50 and reaches to $3.50. As you can see, to save money you want to avoid the telephone. Some companies are even charging customers for reviewing their statements, asking general questions, and so forth. More APR and FEES Credit Cards


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It is important to know which questions to ask when considering Credit Cards. You will need to consider the Credit Cards use, and what the purpose of having the Credit Card entails. You will also need to consider APR and Fees, and whether you intend to repay your debts in full each month, or if you are making partial payments. If you are paying in full, you won’t need to worry about too many fees, other than the APR. If you intend to extend the balance each month, then will you have the extra cash to pay the finance fees and APR? Do you intend to use the Cash Advance option, and if so can you repay the debt, plus the fees incurred? It is important to ask your self these questions, since credit cards are a major responsibility. More Credit Card Checklist


More Asian Destinations : Afghanistan to China | Georgia to Laos | Macau to Pakistan | Philippines to Vietnam

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American Express is one of the well-known card providers that offer low APR. The introductory is 0% APR up to 15 months on some cards, and includes low balance transfer APR. The transfer is 3.99% fixed rates for life on few American Express cards. Few cards offer free reward programs enabling the cardholder to earn points and redeem the points for products, travel, hotels and so forth. Many of the cards offered have no annual fees. More at American Express and Credit Cards


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