balance outstanding to another new card provider who is also offering a very low fixed rate of interest. In any case, these days the debate over fixed rate vs. variable rate credit cards is certainly more interesting than was ever the case previously! Title: Flat Rate Credit Cards Word Count: 449 Summary: Most credit cards feature different interest rates depending on how they're used. Purchases, balance transfers, cash withdrawals, introductory offers... the number of different rates can be confusing. Flat rate cards charge the same APR for everything, making it easier to keep track of how much your card is costing. Keywords: flat rate,credit cards,balance transfers Article Body: When credit cards were first introduced, they were a pretty simple proposition: use your card for purchases, and be charged a single rate of interest on your unpaid balance. Then came the rise of the ATM (cash machine), and credit card issuers realised they could lend money by allowing their cards to be used to withdraw cash on account, and could earn more this way by hiding away a higher interest rate for cash withdrawals in the credit agreement small print. Next came the balance transfer offer, with either long term low rates or an introductory 0% deal, closely followed by introductory deals on purchases too. Not to forget the different interest rate often charged for overseas use. All these different rates for different kinds of card use can easily become confusing, and survey after survey showed that many credit card users were unaware of how much their card use was actually costing them. In many respects, this suited the card companies down to the ground as they could advertise eye-catching rates for purchases and balance transfers while quietly imposing more lucrative charges on other kinds of card use. Amidst all the confusion though, some card issuers spotted a gap in the market - how about a simple, easily understood credit card with no offers or benefits, just a single low rate charged however the card was used? These cards became known as flat rate cards and their names usually reflected their transparency and ease of understanding, for example Barclaycard with their 'Simplicity' card, or the Co-op Bank's Clear. Whether you're using one of these cards for spending, transferring a balance, or even withdrawing cash from an ATM, you'll always be charged a single rate. And what's more, most cards can offer a great low APR as the issuers aren't having to fund expensive introductory
Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alessandra Palladino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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