Credit Card Offers信用卡优惠

Written by Dennis Reed   作者丹尼斯芦苇

Thursday, 14 September 2006周四,2006年9月14日

Spend a few minutes online or take in your daily mail and you’ll find something in common between the two experiences.  Credit card offers are everywhere.  You’ve probably gotten a few in the mail, addressed personally to you, they offer you amazing savings and low yearly fees in exchange for opening a credit line in your name.花几分钟,在网上或者在你的每日邮报,你会发现一些共性的两经验.信用卡优惠到处都是.你可能收获不多,在邮件中,亲自给你,他们所提供的,你了不起储蓄和低年费,以换取开放了信贷额度,你的名字.   These credit card offers are tempting for several reasons.  If you’ve felt the pinch of not enough pennies lately, opening an envelope that guarantees approval of a $5,000 credit limit can seem like a message from the monetary heavens.  Another reason they are hard to resist is that with offers that suggest a zero percent interest rate or travel rewards on your spending, it seems as though you are getting something for nothing.这些信用卡出价很诱人,原因有几个.如果你觉得捏不够便士近来开一个信封保证批准了5,000元的信贷限额可以像个贺词货币狼狈逃窜.另一个原因是他们难以抗拒的是,在要约表明0%利率或旅行奖励对自己的开销,就好像你是有所欠缺.   There are always strings attached in every thing in life, and those credit card offers are no exception.总会有一些附带条件,在一切生命,而那些信用卡推销也不例外. It’s important to consider a few things before you sign on the dotted line and mail the application back.  Ask yourself these questions before you respond:它的重要的是要考虑几件事情,然后你签订的虚线和邮件应用回.问你的这些问题之前,你就: * Do you need more credit?  Credit cards will not fix money problems.  They can be a temporary band-aid in a money crunch, but they cannot provide any financial benefit long term.*你需要更多的贷款?信用卡就无法解决钱的问题.他们可以暂时创可贴在货币紧缩,但他们不能提供任何财政惠及长远. * Did you read the entire offer?  Sometime credit card offers will suggest that you are pre-approved and all you need to do is sign the application and the card will be in the mail.  This is true however, if you are not approved for a standard card, they can approve you for a secured card, which requires a cash deposit on your part.*你看过整提供?有时信用卡推销会建议你预先核准及所有您需要做的是标志的应用与卡将在邮件中.这是事实,但如果你不批准一个标准卡,他们可以通过你提供担保的信用卡其中规定现金存款对你的一部分. * What is the interest rate after the initial introductory period has passed?  Although many companies offer a zero percent interest rate with a new account, that amount can increase substantially after just a few months.  If you have a balance owing once the initial period has passed, you’ll be paying substantially in interest charges.*什么是利率后,初步介绍期已经过去?虽然许多公司都提供0%利率的一个新的帐号,这一数额能大幅提高后,在短短几个月内.如果你有一个平衡,因为一旦初期已经过去了,你必须支付大量利息. Whenever you either receive a credit card offer in the mail or see one on the internet weigh the pros and cons of applying.  Credit is essential if you want to build a solid financial standing.  Pick your debts wisely though and don’t respond to every company who wants to give you their card.  It may seem like they are doing you a favor, but in reality, if you respond and request a card, you’ll be the one supplying the favor in interest fees for months or years to come.每当你要么接受信用卡提供的邮件或看到一个在互联网上权衡利弊利弊提出申请.信用是至关重要的,如果你想要建立一个稳固的财政地位.选择你的明智债务虽然,没有对每家公司的人,想给你的卡.看来好像你做了青睐,但在现实中,如果你回应,并要求卡您是一个供应青睐的利息费用,在几个月或几年来.   Credit card offers will come and go but your credit rating will follow you for years.  Choose carefully and wisely before agreeing to accept any offer for credit.  If you plan your budget wisely, you can keep the number of credit cards you have to a minimum and that way you won’t be tempted to say “charge it!” which could actually result in you spending more over a period of time for the item you are purchasing than if you had just paid cash.信用卡优惠会来来去去,但你的信用评级会跟随你多年.审慎选择和明智在同意接受要约的信贷.如果你计划你的预算是明智的您可以将信用卡的数目,你已减至最低,这样,你就不会被诱惑要说"手续费"!这实际上可能导致你多花了一段时间的项目您所购买的,如果不是你刚刚支付现金.

 

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