Yes, other players will follow. |
You can get zero percent rates that last as long as a year. We've never seen anything like this before. |
You have to be realistic about your credit. If your credit is spotty, don't waste your time applying for a 9 percent rate. |
Young consumers are probably best served if they can get a major bank card early on |
[And even if the you end up not having to pay, you may feel less than jubilant.] Being a victim of credit fraud is like being rear-ended, ... It can really ruin your day. |
[If you carry a balance, you should by all means use this low-rate environment to lower your finance charges and trim your debt. But rather than blindly shop for the lowest rates, consider your credit history and search accordingly.] You have to be realistic about your credit, ... If your credit is spotty, don't waste your time applying for a 9 percent rate. |
[Unfortunately, your chances of qualifying for Pulaski's card, or any small bank's card, are slim.] 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. |
[While more conscious of risk, issuers are still aggressively courting new customers. In fact, teaser rates and balance-transfer rates are the lowest they've ever been.] You can get zero percent rates that last as long as a year, ... We've never seen anything like this before. |