0 apr 21 months

Citi Simplicity Card 21-Month 0% APR Introductory Period Overview

0 apr 21 months

Debt is an American reality for many families. The average family lives with more than $16,000 in credit card debt alone. That’s substantial when you take into account how many other debts the average family carries. A mortgage payment, car payments, and more are almost always a reality for American families, which leaves many families with little more than worry and stress waiting for their next paycheck to come in. Living paycheck to paycheck is a reality for so many families, which is why they want to find a way to pay off their debt and live more comfortably. With so many debt consolidation and credit repair options available, many consumers forget just how simple it is to pay off their debts when they minimize or eliminate interest payments all together.

The Citi Simplicity Card from CitiBank is a great option for families who have credit card debt. It’s the kind of card that provides consumers with the opportunity to get out of debt as quickly as possible for as little money as possible. It’s a great solution, and it’s something consumers should consider if you have the credit to qualify for a card like this. It’s free to apply for, your debt repayment is just your debt and no interest, and you don’t have to get another loan, increase your debt, or hire anyone who charges expensive rates to fix your credit for you. It’s a great way to help you get over what’s dragging you down.

There are many amazing features to this card, and it’s just as simple as it states. That’s what great about this card. It’s not a frilly or fussy card, but it’s what you need to help you pay down your debts as quickly as possible. All new customers have 21-months to pay off their balance transfers without paying interest. That’s 21-months of a 0% APR rate. There is no credit card on the market with the same 0 apr 21 monthsor a longer introductory period.

There are other perks, too. They include, but are not limited to, the following:

  • No annual fee – ever
  • Balance transfer fee is only 3% or $5, whichever is more
  • There are no late fees

The perk of this card is getting to pay off debts faster and for far less money. You also pay no annual fee, which makes this card entirely free if you never pay interest. No one cares to pay annual fees for a card just to carry it around when they’re already paying interest, so this is a perk for all. If you are worried about late fees, this card doesn’t charge them or raise your rates if you accidentally forget to make a payment on time one month.

0 apr 21 monthsSome people are unhappy with this card because there is no reward program. With the $0 annual fee, no late payments, and the ability to pay off debts for 21-months free of charge, there’s little to complain about. This is not a card for someone who uses their card so much as they want to pay off debts they’re currently paying interest on. It’s a simple card, as the name implies.

There are thousands of articles on the internet telling you to get a card with no interest to pay off your debts, but few of them delve into how important it is to use a credit card correctly. This is a new chance for you to start over, get out of debt, and change your life. Here’s how to do it the right way from the start.

  • 0 apr 21 monthsTransfer your entire balance and pay it off before the introductory period ends
  • Use your card but pay it off in full each month
  • Schedule your payments each month to avoid late payments
  • Keep your revolving balance below 30% of the available credit on this card
  • Monitor your card usage for fraud or questionable charges each month

This card is not for those who want to earn rewards and use their card for cash back or other perks. There are none, but it’s a great card for anyone who needs a little push getting out of debt and staying there. You can use this card to rebuild your credit score if it’s suffered a bit as your debt increased. Before you apply for this card, ask yourself if it’s the right card for you. Compare it to the other cards you are considering and see which one might benefit you the most, which one will help you out the most, and which one you feel is the best for you. This is a great card for consumers, but it’s not the right credit card for everyone.

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Amazon.co.uk Pay Monthly 0.0% APR for 3 months, 12 months, 24 months on baskets valued £250 and £399.99, £399.99 and £999.99 respectively

- 0.0% APR for 12 months on baskets over £399.99 (On selected items)

- 0.0% APR for 24 months on baskets over £999.99 (On selected items)

0 apr 21 months 0 apr 21 months

UltimatePhoenix 21st Apr 2016 1

0 apr 21 months 0 apr 21 months

pavel76 21st Apr 2016 21

0 apr 21 months 0 apr 21 months

oUkTuRkEyIII 21st Apr 2016 13

0 apr 21 months 0 apr 21 months

rasdonny Original Poster 21st Apr 2016 7

Not sure how this is a deal. It is Amazon though so i am sure it will be … Not sure how this is a deal. It is Amazon though so i am sure it will be at the top of the list in no time. Read less Read more

it is a deal when you save money by spreading the cost through several months, especially on items that you do need

0 apr 21 months 0 apr 21 months

ChrisUK 21st Apr 2016 5

Not sure how this is a deal. It is Amazon though so i am sure it will be … Not sure how this is a deal. It is Amazon though so i am sure it will be at the top of the list in no time. Read less Read more

0 apr 21 months 0 apr 21 months

androoski 21st Apr 2016 2

Poor choice of eliglible items + high prices . false promotion, same … Poor choice of eliglible items + high prices . false promotion, same like last time Read less Read more

0 apr 21 months 0 apr 21 months

DarkEye 21st Apr 2016

0 apr 21 months 0 apr 21 months

topss 21st Apr 2016 2

it is a deal when you save money by spreading the cost through several … it is a deal when you save money by spreading the cost through several months, especially on items that you do need Read less Read more

0 apr 21 months 0 apr 21 months

rasdonny Original Poster 21st Apr 2016 3

Amazon + need? You mean want. X)

very apt equation

0 apr 21 months 0 apr 21 months

oUkTuRkEyIII 21st Apr 2016 3

it is a deal when you save money by spreading the cost through several … it is a deal when you save money by spreading the cost through several months, especially on items that you do need Read less Read more

0 apr 21 months 0 apr 21 months

rasdonny Original Poster 21st Apr 2016 2

Just ignore me i am still upset that they moved my Burger King now … Just ignore me i am still upset that they moved my Burger King now delivering post to the back end of the site. Now if Amazon delivered Burger King Read less Read more

0 apr 21 months 0 apr 21 months

twist 21st Apr 2016

0 apr 21 months 0 apr 21 months

rasdonny Original Poster 21st Apr 2016 1

0% on all purchases for the first 27 months - transaction of any amount … 0% on all purchases for the first 27 months - transaction of any amount to be made in the first 3 months at any retailer.http://www.postoffice.co.uk/landingpage/matched-credit-card?campaignid=AG_CM_0040 Read less Read more

believe it or not, i personally dont use credit cards

0 apr 21 months 0 apr 21 months

masterbruce 21st Apr 2016 1

0% on all purchases for the first 27 months - transaction of any amount … 0% on all purchases for the first 27 months - transaction of any amount to be made in the first 3 months at any retailer.http://www.postoffice.co.uk/landingpage/matched-credit-card?campaignid=AG_CM_0040 Read less Read more

0 apr 21 months 0 apr 21 months

BigPlonker 21st Apr 2016

if i didnt have over 100 quid at Game id get a ps4 from here for upstairs

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northwales 21st Apr 2016 4

0 apr 21 months 0 apr 21 months

benlondon 21st Apr 2016 6

what a great deal, getting people into potential debt.

0 apr 21 months 0 apr 21 months

UltimatePhoenix 21st Apr 2016

PS4 isn't an eligible item.

0 apr 21 months 0 apr 21 months

m5rcc 21st Apr 2016

It's free money at the end of the day

0 apr 21 months 0 apr 21 months

m5rcc 21st Apr 2016

believe it or not, i personally dont use credit cards

0 apr 21 months 0 apr 21 months

rasdonny Original Poster 21st Apr 2016 1

Is that something to be proud of?

0 apr 21 months 0 apr 21 months

m5rcc 21st Apr 2016 3

0 apr 21 months 0 apr 21 months

twist 21st Apr 2016 4

believe it or not, i personally dont use credit cards

0 apr 21 months 0 apr 21 months

twist 21st Apr 2016

This isn't a credit card.

0 apr 21 months 0 apr 21 months

rasdonny Original Poster 21st Apr 2016 2

There is nothing wrong with using a credit card as long as it is used … There is nothing wrong with using a credit card as long as it is used correctly and preferably paid in full at the end of each month if it is not on a 0% deal or paid before the interest kicks in, mainly because of the advantages it has over a debit card. Read less Read more

i never said there was something wrong with using a credit card..i was responding to someone who posted a link to a credit card so my response was valid and i also just said i dont use a credit card and thats because most ppl do and many many end up in debt because of it but obviously not you.


Best 0% APR Credit Cards of 2015: How To Avoid Interest On Your Credit Cards Until 2017

Are you a credit card deadbeat? If you aren’t, you may be wasting money on unnecessary interest payments.

As far as credit cards go, we should all aim to be deadbeats. That is how credit card companies refer to customers who don’t pay interest on their credit cards. There are two ways you can become a credit card deadbeat:

1. Pay your credit card balance in full every month — duh!

2. Use a credit card with an 0% APR introductory rate.

If you already carry a balance or you’re planning to make a large purchase you can pay off immediately, there are credit cards that can save you a lot of money because they offer a long 0% APR introductory rate on balance transfers and/or new purchases. However, some of them include a balance transfer fee; so make sure you calculate the cost before transferring your credit card debt to a new card.

Here are some of the absolute best credit cards of 2015 with a 0% APR, and some details about what makes them so awesome:

Compare the rates, fees, and rewards of the leading credit cards. Find the best card for your lifestyle.

Chase Slate0 apr 21 months

– No transfer Fee (for the first 60 days)

– 0% Introductory APR period that lasts 15 months

Chase Slate is arguably the best balance transfer credit card available in 2015. It has a 15-month 0% intro APR on balance transfers and purchases, no balance transfer fee for the first 60 days and no annual fee. That combination is extremely rare. In fact, Slate is the only major 0% APR balance transfer credit card that doesn’t charge a balance transfer fee. This can lead to significant savings.

To illustrate, say you transfer $10,000 and plan to pay it off within the intro rate period. With Chase Slate you wouldn’t pay a transfer fee, but with other balance transfer credit cards you would have to pay a balance transfer fee of $300.

Once Chase Slate’s intro rate expires, the standard APR is 12.99% to 22.99%, depending on credit. These rates are reasonable but there are credit cards with much lower standard APRs. So you may want to switch to another credit card, if you’re still carrying a balance after the 15-month 0% APR period ends.

As with most balance transfer credit cards, the catch is that you must have good to excellent credit in order to qualify, and it doesn’t have a rewards program. Also note that the balance transfer fee is only waived on transfers made within the first 60 days of opening an account. After that, there is a 3% (with a minimum of $5) transfer fee.

Citi Simplicity0 apr 21 months

– 0% Introductory APR period that lasts 21 months

Citi Simplicity is an excellent balance transfer credit card. It has a stellar 21-month 0% APR introductory rate on balance transfers and purchases, no annual fee, and no late fees or penalty APRs. Some credit card experts rate it even higher than the Chase Slate. However, it does have a 3% balance transfer fee with a minimum of $5. So if you have a substantial credit card debt blob, you may want to apply for a Slate Chase credit card first. On the other hand, if you don’t currently carry a balance but you’re planning to make large purchases and pay them over time, this is probably the best credit card for you.

Citi Diamond Preferred0 apr 21 months

– 0% Introductory APR period that lasts 21 months

– Special access to events and 24/7 concierge service

The Citi Diamond Preferred is another superb balance transfer credit card. Like the Citi Simplicity it has a 21-month 0% APR intro rate on purchases and balance transfers, and no annual fee to worry about. It does have late payment fees and a 29.99% penalty rate, but the standard APR is a little lower at 11.99% to 21.99%. This card also includes special access to events and a 24/7 concierge service.

Like the Citi Simplicity, the Citi Diamond Preferred has a 3% ($5 minimum) balance transfer fee to consider. If you’re only interested in the 0% APR for purchases and you aren’t worried about late payments or penalty rates, the Citi Diamond Preferred is the best 0% APR card for you.

Blue Cash Preferred from American Express0 apr 21 months

– 0% Introductory APR period that lasts 15 months

– Most generous cash back rewards program

The Blue Cash Preferred credit card from American Express combines a 15-month 0% APR on balance transfers and purchases with the most generous cash back program for everyday purchases. Cardholders receive 6% cash back on US supermarkets, 3% cash back at US gas stations and participating department stores. All other purchases receive 1% cash back. New members also receive a $150 signup bonus, if they spend $1,000 within the first three months. Once the intro rate ends, there is a standard APR that ranges from 12.99% to 21.99%.

The only catch with the Blue Cash Preferred is it has a $75 annual fee and a 3% balance transfer fee. However, the signup bonus and the cash back you can earn, particularly if you’re planning to make large purchases during the 15-month 0% APR period, will easily cover two or more annual fees.

Discover it 0 apr 21 months

– 0% Introductory APR period that lasts 14 months

– Great cash back rewards program

– No annual fee, over-the-limit fee, or foreign transaction fee

– Complimentary access to FICO credit score

The Discover it is another great balance transfer/cash back hybrid credit card that combines a 0% intro APR for 14 months on purchases and balance transfers with a cash back rewards program that gives up to 5% back on purchases made in categories that change every quarter. The card includes complimentary access to customers’ FICO credit score and there is no over-the-limit fee, foreign transaction fee or annual fee.

The card’s standard APR ranges from 10.99% to 22.99% once the trial period ends and there is a 3% balance transfer to think about. If you don’t have a credit card balance to transfer and mostly interested in having a 0% APR on purchases and a decent cash back rewards program with no annual fee, this is the card for you.

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