Robert McKinley
Robert McKinley
last percent rates seen zero
You can get zero percent rates that last as long as a year. We've never seen anything like this before.
balance checks fee interest nineteen percent rate starts transfer
There are fees. You may have a balance transfer fee or a convenience fee, and the interest starts right away and the interest rate typically on those checks is very high. Nineteen percent or higher.
cut offset possible rate today
So it's possible that any rate cut today could be offset by a bump-up in pricing.
bells carry consumers drawn interest programs rate reward swayed worth
Don't be swayed by bells and whistles, like reward programs or miles. A lot of consumers are drawn to these, but if you carry a balance, the interest rate may not be worth it.
given pay product sure
Just pay attention. Make sure you're not given a product you don't want.
backs low sort
There are sort of give backs with those low rates.
comparison vote
Vote with your feet, ... Do more comparison shopping. Know what the fees are. Read carefully, and if you don't see something you like, go elsewhere.
clean mess
If someone rips you off, it's a real mess to clean up.
few rewards scenarios value worth
There are a few scenarios where it could make sense. If you have the right rewards card, or if you use your rewards well, you may get a value that's worth considerably more than the cost.
credit environment hit looking sorts strain
We're in an environment right now where there's a lot of strain in the profitability of credit cards, ... Issuers are looking to hit you with fees and those sorts of things.
check concern consumers name open
They are a concern to a lot of consumers because there is an open check with your name on it.
bottom box disclosure line marketing offers
The bottom line is these offers are a marketing gimmick. If you get an offer in the mail, it's important to read the disclosure box very carefully.
advantage consumer low
That's where the consumer can take advantage of the low interest-rate environment.
accounts adding qualify
Pulaski only has 32,000 accounts and is only adding 1,000 new accounts a month. About one in 100 applicants will qualify for it.