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We are all waiting for the day when debt will be magically erased from all our records. Some people call it the coming of Christ, but I call it the coming of the debt-eraser. I know, I'm clearly being stupid right now, but how awesome would this be? We'd all surely call this individual a saint of some kind. I know I would plaster his/her face on my living room wall in a 30/40 frame. At this point I'd even be very pleased if my credit card debt was banished. The relief would be inestimable. Speaking of 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. Someone please arrive with the interest free credit cards. The globe would be a much happier place. I was Christmas shopping the other day. After all, this is the season to be jolly, right? Well, how in the name of God am I supposed to be jolly when I know that my credit card is going to charge me some ridiculous interest rate every month? I wince with a tentative twinkle in my eye every time I whip the thing out. I don't want to use it, but , if you're broke from paying bills, you hardly have 20 other options. It's not like you could just dismiss the notion 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 find 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 generally interest free just for balance transfer, and this only lasts for 12 months from the date you receive the card. So don't plan on getting interest free credit cards that apply to purchases. Be sure to read the fine print on the back of each document/pitch you get in the mail. The purchase interest rate is typically HIGH, and the cash-advance one is always worse. I just recall 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 250 dollar limits and if you exceeded the limit, your interest rate was horrible. Other than that, these wanted credit cards cease to exist.
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