We all await the day when debt will be magically banished from all our reports. Some people call it the coming of Christ, but I name it the coming of the debt-eraser. Yes, I'm clearly being stupid right now, but how great would this be? We would all certainly call this person a saint of some kind. I know I'd plaster his/her face across my living room wall in a 20/30 frame. At this point I'd even be satisfied if my credit card debt was erased. The relief would be immeasurable. Speaking of those little plastic devils, how much do you currently owe on yours? I give you my word these suckers should come with the numbers 666 written across the front. Just as a fair warning to all who use them. Please, someone arrive with the interest free credit cards. The globe would be a much happier place. The other day I was Christmas shopping. After all, this is the time of the year to be cheerful, right? Well, how in the name of God am I supposed to be cheerful when I know that my credit card is going to charge me some ridiculous interest rate every month? I wince with a tentative twinkle in my eye every time I whip the thing out. I don't want to use it, but , if you're broke from paying bills, you hardly have 20 other options. It's not like you could simply dismiss the notion of getting presents for the loved ones. That wouldn't go over so well. Of course this wouldn't be an issue at all if one had a few interest free credit cards. But, where on earth can you get these? Well, I'm glad you asked. You can indeed find interest free credit cards, but like always, there is normaly a catch. They're in general interest free only for balance transfers, and this only lasts for a year from the date you have the card. So don't plan on getting interest free credit cards that apply to purchases. Be sure to read the fine print on the back of each document/pitch you get in the mail. The purchase interest rate is generally HIGH, and the cash-advance one is always worse. I just recall the only time I encountered true interest free credit cards. It was back when I started college. I was offered a couple interest free credit cards with 0 APRs on purchases. They only had 200 dollar limits and if you exceeded the limit, your interest rate was terrible. Other than that, these desirable credit cards stop to exist.
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