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Pre-approved credit card loans

Posted on March 21, 2007
Filed Under Advice, Credit cards, Finance |

The banks are forever thinking of ways to lure customers into incurring more credit card debts. This girl kept calling me nearly every other day with the bank’s latest offer. And this time it’s for pre-approved loans. Current offered rate is at a fixed 6.99% p/a without handling fee nor cash-advance fee which is 5%.

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If you are one of those who hold multiple credit cards and have a huge outstanding amount at maximum interest to settle on each card, but no other card to transfer the balance to, you can consider taking up this kind of offers. Use the cash to settle the card with the highest outstanding amount running at maximum interest rate. Then do a balance transfer from another card to the card that you’ve just cleared.

An important rule to remember is it is your responsibility to use the money to pay off existing outstanding debts. If you use it for something else like shopping, then be prepared to be saddled with more debts than you can handle.

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