0% Interest Credit Cards - Truth or Fiction?

0% Interest Credit Cards - Truth or Fiction? 11th May 2006
If you are looking for a new credit card then obviously 0% interest credit cards hold a lot of appeal for you. Anything at 0% interest nowadays grabs everyone`s attention, for that matter! But as far as these 0% interest credit card offers go, there is a lot of subtle dodging that credit card companies and bank card issuers engage in to ensure you catch the bait.

So just go ahead and admit it. You are hooked. The 0% APR credit cards ad that you just saw in the brochure attached in the morning newspaper has piqued your interest. But seriously ... are these 0% interest credit cards for real?

The truth is they are and they are not. There are cards that live up to the promise of a 0% APR credit card, but the truth is that this 0% interest does not last long. It might just be an initial gimmick to get you to subscribe to the card offer and once you`re a cardholder, you have the 0% APR for just a limited time (3 months, 6 months, or if you`re very lucky 12 months) before they start charging you a higher rate of interest. The credit card game is truly an interesting one to watch, but not if you are the suffering player. Read on to know what you can do to make sure you are not the sufferer.

Understanding 0% APR Credit Cards

Yes, 0% APR credit cards do, in fact, hold a lot of enticement. But here is what you must do when you find a 0% APR card that has gotten your attention. Pay attention to the following:

1) How long the no-interest period will last?
2) Can you transfer other balances at the 0% rate?
3) What will the APR be after the introductory period ends?

When you are done assessing these factors, you can properly compare all of the interest credit card options available.

The Luxuries of Owning a 0% APR Credit Card

If you`ve already accumulated a huge debt on your previous credit cards, there`s good news for you. A 0% APR credit card can benefit consumers bad credit histories in a big way, if (and that`s a big if) they can get approved for the card offer itself. That being said, a 0% APR credit offer allows cardholders to drastically cut down the interest being incurred on existing debt while it can also help consolidate debts on other outstanding high APR card balances. There are typically balance transfer fees associated with this type of consolidation, but if your credit is sufficient enough, you might be able to avoid fees altogether.

Pitfalls of 0 Interest Credit Cards

1) Most 0% interest credit cards offer 0% interest or no interest only for a limited amount of time, which varies between 6 to 12 months.

2) If you`re thinking of transferring balances from high interest credit cards, some of these cards might not even allow you to do so during the introductory 0% offer period.

3) Some 0% interest credit cards might also charge very high balance transfer fees.

4) Some of these cards also carry very high penalties for late payments and
automatically switch you to a much higher variable APR after incurring even a single late payment.

5) Some 0% APR credit cards charge a very high interest rate after the introductory (read honeymoon) period.

Yes, the picture is definitely not all rosy, even though you can most definitely save money on interest charges by using 0% interest credit cards judiciously. If cardholders fail to pay off their card balances prior to the introductory offer expiration, if they fail to make payments on time, or generally disregard their credit responsibilities, these credit cards can end up costing consumers significantly more than most will anticipate.

For more information on a variety of 0% interest credit cards, Robert Alan recommends that you visit CreditCardAssist.com

Source: http://www.articlealley.com/article_52211_19.html

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Levitra reigning over erectile dysfunction

Levitra reigning over erectile dysfunction 21st September 2005
"It`s normal for passion to die but it`s not normal to kill passion"You have tied the knot and now you want to squeeze the maximum out of your marriage, you want to take your partner in bed; you want to discover her body, you want to enjoy all your marital bliss and pay all your marital debts. All of us - women and men - think of sex, want sex, and look for sex. A sexual relationship is a source of immense pleasure. It is an effective stress-reliever, and it creates a profound feeling of intimacy, well-being, satisfaction and relaxation. But for some the spark ends even before ignition, the honeymoon ends even before beginning. About 300million men, 15%of the total male population suffers from erectile dysfunction and the worst part is that most of the patients don`t want to share the issue because they think it to be a sexual problem. The most widespread factor that disrupts sexual life is erectile dysfunction it`s a genital disorder wherein you are unable to sustain your erection vital for sexual gratification. ED is not a new phenomenon, beforehand it was thought to be a recurrent age problem. Thanks to modern sciences that outshined the myth and produced proper treatment for erectile dysfunction.The year 1998 proved to be a boon for the sufferers of erectile dysfunction because in this year three FDA approved prescription drugs were launched christened Viagra, Levitra and Cialis.Levitra is the newest FDA approved prescription drugs for solving penis erection difficulties. It is a PDE-5 inhibitor; it helps to increase the flow of blood and thus allows erection to stay longer which in turn leads to satisfactory sexual intercourse. The onset time of Levitra is as fast as 25 minutes and its effect lasts for nearly 24 hours, it is a sexual stimulator, it can not lead to direct erection. The product has been clinically shown to improve erectile function even in men who had other health factors, like diabetes or prostate surgery. Levitra is available in tablet form in the following strengths: 2.5mg, 5mg, 10mg and 20mg. The maximum dose of Levitra is one pill per day. The usual starting dose of Levitra is 10mg once per day (60 minutes prior to sexual activity). The dose can be titrated up to 20mg or down to 2.5mg based on efficacy and side effects. Levitra can be taken without regard to food.Conclusion: The logo reveals all about Levitra, the candle in the logo is a metaphor of the "heat of passion" and the flames signify the "fire of romance".About the Author: Adam Parore is an associated editor to the website www.affordable-prescriptions.md. AP, an Online Prescriptions is committed to provide visitors with complete information on men`s health, sexual health, online prescription drugs like Levitra by latest news, personal views, articles on erectile dysfunction related topics. Your feedback & comments will be highly appreciated at adam.parore@gmail.com

Source: http://www.articlealley.com/article_9623_23.html

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