Managing holiday spending with 0 apr credit cards

The holidays can be a stressful time for your finances. Even though you know December 25th is coming – the same time every year – it still manages to sneak up on you when you realize in September that you only have six or seven more paychecks before Christmas to get your shopping done. This is nearly always traumatizing if you haven’t been budgeting for holiday shopping all year long using something like a Christmas Club type of savings account.

But one tool you can use to minimize the trauma is a 0{b3b47b4ce3613a8ae866741a21452b80454d4cde38f39b62399bbbfc1a1a9f3e} APR credit card to get through the blitz of holiday purchasing and the costs of entertaining. Shopping around for just the right card can provide more benefits than you’ve probably thought about. Features can include rewards cash and/or points that you earn on each dollar spent for purchases. Some cards will have additional perks or rewards that are geared specifically toward the holidays and can include extra rewards cash or points when you use the card for purchases at certain major retail outlets at this time of year. There are even programs that allow you to pay for more of your holiday shopping using your rewards points when buying online like with

The biggest advantage of all is to apply for and obtain these 0{b3b47b4ce3613a8ae866741a21452b80454d4cde38f39b62399bbbfc1a1a9f3e} APR credit cards at just the right time so you take advantage of the typical introductory time frame. After all, you can’t expect that 0{b3b47b4ce3613a8ae866741a21452b80454d4cde38f39b62399bbbfc1a1a9f3e} interest rate to be in effect forever. Most often, you will have somewhere between 6 and 18 months to pay for what you buy without having to pay additional accrued interest as well. So if you can take six months to pay for your Christmas shopping and entertaining expenses, pay off the entire balance of what you spend in that six months, you have a powerful financial tool at your disposal.

The important factor in this plan is paying off the entire balance of your purchases before the introductory period expires. If you do not believe you can easily do this, then another type of budgeting may be the way you should go. Finding yourself with a balance still owed after that initial offer’s time period could catch you unprepared to watch the remaining balance soar with the high interest rate that starts after the time frame expires. In fact, you could end up paying almost twice as much as you could have if you keep it within the introductory period.

So make the choice to use this financial tool to defray holiday expenses cautiously and plan carefully for how you will be successful. The point is to keep your expenses managable without causing yourself undue additional stress, so make sure you follow the rules in getting the debt paid on time and not incurring any penalties for lack of payment or not paying on time. If you do this, you could not only have a better time shopping for gifts than you ever have before, you can be building a great credit profile for yourself as well. Shop for the best card offers available at and choose the one that is right for you. You can also find out more about the impact of credit card interest rates here: offers a better way to compare 0{b3b47b4ce3613a8ae866741a21452b80454d4cde38f39b62399bbbfc1a1a9f3e} apr credit cards side by side. Visit today to start your search.