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Zero Percent Credit Card Offers

 There are several fine print qualifiers on the Zero Percent Credit Card Offers.  With good credit in time you will get a lot of these offers.

With a brand new card with a Zero Percent Offer you will be able to write a check or charge items on your card to start the Zero Percent Offer.    

Usually there will be a three percent origination fee if you choose to write a check.  Sometimes if you charge the amount you are going to get the Zero Percent loan on you will not have to pay the three percent fee.  Three percent is not Zero Interest but what can you do?

Small Business Using Zero Percent Credit Card Offers

When I owned a small business, several times I used these Zero Percent Offers to buy inventory.  I had set up auto-pay so the payments were always made on time.  I also kept the offer from the credit card company in a file.  I would write down the date I received the offer and the date I used it.  I would track the terms of the loan and when I would have to pay it off to make sure I was not paying interest.

Keep Track of your Zero Percent Credit Card Offer

Several times I was promised 15 months no interest and after 9 months they would start charging me interest.  This is so common that I believe it is intentional.  Be sure to document the start and promised end of the Zero Percent Offer when you get it.  

Every time they incorrectly tried to start charging me interest I called them up to correct it.  I never had a problem, customer service always took care of me.  

I always approached the customer service agent very nicely.  "There seems to be a mix up with my account.  Can you help me with this?"   I have the offer from this date and I was supposed to get interest free until this date.


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