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Over the last couple of years the credit card companies have been careful with their 0 credit cards offers.
To benefit from a good deal was very difficult and only a few people managed to get one.
Now things are a bit easier. There are more 0 credit cards on purchases offers on the market.
All the big card companies are re-entering with some good deals and you don't need a ridiculously high credit score to get one.
The big advantage of 0 credit cards on purchases is of course the 0% interest period.
The length of time it's available varies from 6 months to 15 months.
No matter how long your deal lasts you will save money so it's well worth considering.
Things to consider in a 0 credit cards on purchases deal
How long the deal lasts for - obviously the longer the better from your point of view
How much will it cost - There may be a fee when you get the card or when you make a purchase - read the small print
How much will you be charged at the end of the deal - The APR of credit cards can vary from 10 - 25% so bear this in mind
Are all purchases covered for the length of the deal or only an initial period - Often after 6-8 weeks any more purchases attract the full APR.
As with all these cards always make at least the minimum payment on time each month. As long as you remember these points using 0 credit cards on purchases will save you money on those big items you simply must have.
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