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So, can you benefit?

Due to fierce competition in the credit card field, finance institutions occasionally offer advantages eg gift certificates etc to try to win customers to their program.

Low interest credit cards or occasionally zero interest credit cards become available. The only drawback to customers is that the duration of lower interest credit cards is negotiated to a shorter period, usually between 6 or 12 months after which a greater rate is charged. However, services are available which alert credit card customers when their low interest timeframe is due to expire. All such services cost a monthly or annual fee.

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