CHEAP MONEY Take Advantage Of Your Credit Cards

Dated: 02/25/2016

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From cash back offers to lowering your interest rate, credit card companies are offering great deals to those who know how to take advantage. If you are carrying a balance on a card or a number of cards, consider using one of the cards to pay off the others at 0% interest with a balance transfers. Make sure you put that card in the drawer and don’t use it until you have paid off the transfer or transferred it to a different card, at the end of the 0% offer. On most cards, any new purchase will be subject to interest charges during that period. Also be sure that particular card is not set up for auto-pay during that period, as in your Netflix account or EZ Pass, etc. Read the fine print, there will be a one-time transfer fee of 2 to 4% of the total amount and if you are really lucky you will find an offer that waives the transfer fee (it’s all in the fine print).

I’m sure you get emails, texts or snail mails about cash back offers from time to time, but in most cases you have to opt-in to receive the benefit. Be sure to take advantage it’s free money.

Just recently I called one of my credit card carriers and asked them to lower the interest rate, which they gladly did and went even further to offer me 0% for a full year on all future purchases. This card offers cash back on all purchases, with some purchases receiving more than others depending on the most recent opted-in offer. So I decided to pay all my household bills with the card to rack up the cash back. I simply charge my bills and at the same time send an e-check or mail a check in that amount to the credit card company.

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Donna Podesta

I am an experienced Realtor working in the Greater Hudson Valley Region which includes both Rockland and Orange County. My goal is to make my client's real estate experience a happy one. Because succe....

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