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We all wait for the day when debt will be magically banished from all our reports. Some persons call it the coming of Jesus, but I name it the coming of the debt-eraser. Okay, I'm clearly being stupid right now, but how awesome would this be? We would all surely call this person a saint of some sort. I know I'd plaster his/her face across my living room wall in a 30/40 frame. At this point I'd even be very happy if my credit card debt was banished. The relief would be immeasurable. About those little plastic devils, how much do you presently 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 create the interest free credit cards. The globe would be a much better place. Last week I was shopping for Christmas. 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 there will be some stupid interest rate charged on my credit card each month? I wince with a tentative twinkle in my eye every time I whip the thing out. I don't like to use the darn thing, but , you hardly have 20 other options if you're broke from paying bills. It's not like you can simply dismiss the idea of getting presents for the loved ones. That wouldn't go over so well. Of course if one had a few interest free credit cards, this wouldn't be an issue at all. 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 for balance transfers only, and this only lasts for a year from when you have the card. So don't plan on getting interest free credit cards that apply to something you buy. Be sure to read the fine print on the back of each document/pitch you receive in the mail. The purchase interest rate is normally HIGH, and the cash-advance one is always worse. I just remembered the only time I encountered true interest free credit cards. It was back toward the beginning of college. I was presented with a few 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 atrocious. Other than that, these desirable credit cards stop to exist.
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