Numerous credit cards offer low-interest rates, but there are some that have 0% introductory interest rates for a specified time period; these cards are known as 0% intro credit card APR. 0% intro APR credit card offers no interest rate for a maximum of 21 months. You can also find free credit cards with no annual fee, transaction free or intro APR. Some of these popular cards are Chase Freedom Unlimited®, HSBC Gold Mastercard® credit card, Bank of America® Cash Rewards credit card, Capital One® Quicksilver® Cash Rewards credit card, The Amex EveryDay® credit card from American Express, etc. So, to simplify your search for the next 0% intro APR credit card, here are a few handy tips. Take a look! How to use 0% intro APR credit cards? If you are wondering what is a good APR for a credit card, there are a few things that you should keep handy before choosing one.  Balance transfer fee Make sure to use the balance transfer accurately. Mostly, the credit card will have a balance transfer fee that ranges between 3% and 5%, and one must ensure to benefit even with the balance transfer fee. Terms and conditions It is important to read the terms and conditions before you get a 0% credit card APR. Make sure that you know about all the transfer and purchase options.

These days, you can find numerous lenders offering a diverse range of credit cards. Therefore, picking the best one can be confusing. This is because every borrower might have specific requirements that not all cards can fulfill. Whether you are looking for Premier credit card or cards with high credit card limit, you need to smartly compare every credit card offer so that you can make a reliable pick. Read further to know what is a credit card and how to pick the best credit cards. What is a credit card and its different types To select the best credit card, you should know about the various types of options available. Here are some popular ones. Rewards credit card – As the name suggests, rewards credit cards help you earn points on every transaction made using it. Some of the varieties of rewards credit cards include travel (airline miles and hotel stay), retail, gas, groceries, and student cards. Balance transfer credit card – These types of credit cards are ideal if you are already having a high amount of debt. The lender allows you to transfer the debt from your existing credit card to a new one and gives you a certain period (6 to 21 months) to pay off the entire amount without any interest.

Gone are the days when bad credit meant bidding adieu to credit cards completely. There are certain credit card providers that issue credit cards to people with bad credit. In addition to using such credit cards to make purchases and for other financial transactions, you can also use these to change your credit score. Keep reading to learn more about credit cards for bad credit. What do credit cards for bad credit provide? Credit card for bad credit works wonders by aiding your credit building process. Such credit cards are instrumental in helping you increase your good credit scores. Also, it will prove beneficial for your credit score if you ensure that your credit card provider reports your good credit record to the 3 major credit bureaus. This will surely help improve your credit score. Usually, credit cards are issued at a certain annual fee. However, credit card for bad credit or the ones with no credit is often made available at zero annual fees. Some credit card issuers do not charge annual fees from their credit card holders. So, you can avail credit cards for bad credit without paying an annual fee for retaining the same. If you are of the opinion that only credit cards for good credit ensure that their users are rewarded in the form of points or cash back, then you are highly mistaken.

On a scale of 300–850, a score of 580–669 is considered as a fair FICO credit score. According to the consumer credit-scoring model VantageScore, a score in the range of 650–699 is a fair credit score. A fair credit score ensures that a person has access to fairly good lending services and products. These include credit cards for fair credit, which offer rewards and perks to their customers. Using credit cards for fair credit help improve the credit score and strengthen credit history. This improves the spending and financial habits. Steps to improve credit score The best and quickest way to improve credit score is with credit cards. Before using any credit card for fair credit score, it is necessary to ensure that the card issuer communicates the customer’s good credit habits to the credit bureaus. Credit cards for fair credit are useful only when purchases are made regularly with the card. It is recommended to use the credit card at least once a month. Ensure that the credit payments are made on time and in full. To improve credit score, avoid late payments as far as possible. It is necessary to correctly and meticulously manage the monthly accounts. How to use credit cards for fair credit Credit cards for fair credit can improve credit score and customers can their increase their credit score to fair or average scores.

Credit cards are one of the most widely used financial tools that not only help one make purchases but do so much more. The right credit card can help you build a very good credit history and thereby secure the best rates on different offerings, provided that it is used responsibly. Moreover, it lets you earn several rewards that you could miss with a debit card. A credit card has functions similar to a debit card. However, the card does not withdraw your funds but lends you a short-term loan. Depending on when you pay off the loan, you do not incur interest rates. Credit cards, aside from building credit history, have many perks that you can take advantage of. It is even better if you get your hands on low interest credit cards. So, what are low interest credit cards? Low interest credit cards enable the user to manage his/her financial balances more efficiently. Typically, one is advised against carrying balances on credit cards. This is because interest rates can escalate quickly and create a major issue with one’s personal budget. Moreover, overtime credit overdue can even lead to bankruptcy. With low interest credit cards, the balance can be conveniently carried from one month to another, without the accrue of rapid interest charges.

Foreign transaction fees are levied on credit card purchases made abroad, in a foreign currency, and for transactions involved with a foreign bank. An average rate of 2% to 3% is charged for these credit cards, which is not necessarily a high rate. However, it can become a significant burden to pay off. There are two different types of fees levied on purchases made with foreign currency or through foreign banks. The first charge is levied by the payment network and an additional percentage is levied on the same transaction amount as that by the card issuer. How can you maximize your spending potential with credit cards with no foreign transaction fee? One of the things you should ensure is carrying sufficient cash and credit while traveling abroad. It is advisable to use your credit cards to make purchases and hire services, but keep sufficient cash with you for emergencies. Apply for a no foreign transaction fee credit card that is globally accepted among popular networks such as VISA and Mastercard , also known as an international credit card Among important things to consider while choosing no foreign transaction fee credit cards is understanding the rates and fees clause in your application.

What if you get cash back or rewards every time you swipe your credit card and shop? Yes, it is possible. With reward cards, you get points every time you shop from your credit card. You can redeem these points the next time you shop using your card. Today, some of the top credit card companies have amazing reward cards that will give you bonuses every time you fill your car gas or shop for grocery. Read this article to know more about credit card reward points and how to make the most of them. Popular categories of reward credit cards If you want to make the most of the reward credit cards, then you must first be aware of all the common types of reward cards that you can own. Here are some of the common card categories that you must know: Luxury As the name suggests, this is one of the high-end rewards cards designed keeping in mind high-end customers. If you are a business person who travels to international destinations a lot, who spends more time in international airport lounges than at your home then you can consider getting these credit card reward points to get some luxury benefits across the world.

Secure credit cards help users out of credit wilderness. Unlike standard credit cards, secured credit cards work very differently. The cardholder needs to make a deposit prior to securing the card and it can be equivalent to or greater than the initial credit limits. The aim is to help one build their credit by reporting financial activity to credit bureaus. There are a number of benefits of a secured credit card and one must know how to use a secured credit card. If you know what is a credit card , then understanding a secured credit card is simpler. Who should get a secured credit card? Once you understand what is a secured credit card, here are a few points to show Secured credit cards are a great option for individuals who do not have the best credit and the same poses as a threat to getting loans and other advantages. Individuals who are new to the credit space and seek to build a good reputation. It helps one build a strong credit history that enables one to apply for secured cards that offer more rewards. What is the deposit needed to acquire a secured credit card? The deposit required to get a secured credit card can differ from one institution to another.

Travel cards are reward cards as they offer users with free travel and provide the elite membership with restaurants, hotels, and airlines, among other perks. They are perfect when you are looking for redemption points or miles while shopping and traveling. Travel cards are divided into three categories: airline cards, hotel cards, and general travel cards. So, before you go and get your best pick, here are a few tips that will help you with choosing the best travel and airline credit cards. How do these cards work? Earn and redeem miles Every travel card has different discounts and deals to offer. There are many such cards that have a sign-up bonus that can be used in restaurants, while traveling, and for general purchases. You can also redeem these miles for eligible hotel stays, travel tickets, and car services. In addition, there are some travel cards that provide a portal where you can buy your travel essentials. Payments If you do not want to get stuck with paying interest charges, keep an eye on the due date of payments. Pay in full each month to keep the credits flowing. Annual fee structure The fee structure of travel cards is variable.

Denial of Service, commonly referred to as DoS is becoming an increasingly common threat. It involves intruding into the private server and weakening the system. The attackers take over the system and send an uninterrupted message to the server for gaining complete access. It prevents the original user from accessing the device and may at times pose a serious threat. ” How does DoS work? The DoS attacks send enormous amounts of fake traffic to the PC network and servers, which causes them to crash. When a server is not designed to receive extremely high volumes of traffic, it slows down to a point where it crashes until the traffic is back to normal. Once the website servers crash, the DoS attackers gain access to the internal systems where they steal all your private information and confidential company files. When such attacks are done to big organizations, the DoS attackers ask for large bribes to return access to the servers and not leak any of the information to the rival companies or the public. What are the types of DoS attacks? DoS attacks are of different types. To protect your device, you should be aware of some of the common types of DoS attacks listed below:

Phishing is a method used by hackers to steal sensitive data such as passwords, credit or debit card information, and financial data. Hackers begin the process by shooting spoof emails or chats to their target users. Some of the common methods used for phishing are as follows: ●  Inserting a link in the email and sending it through an anonymous email address ●  Sending a website link from a renowned website ●  Installing malicious software through emails to gather the personal information of the user Ways to avoid phishing:- Being aware of scams Hackers and other data thieves design new phishing scams every day. Phishing scams can be avoided by being aware of them. It is necessary to be aware of these scams in order to avoid falling into the trap set be e-thieves. Avoid opening emails from unknown sources Emails with links asking to click on them are more common ways of phishing. Avoid clicking on emails from unknown sources in order to avoid phishing. Adding anti-phishing option on the toolbar The toolbars on the browsers can be updated by adding an anti-phishing option, which enables the user to find whether a website is malicious. This helps the user to protect themselves from opening and entering malicious websites.