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Are you one of the many consumers that finds themselves upset every time they open a credit card statement. The harsh reality is that due to annual percentage rate hikes, it's hard to find any Americans who are, well... happy with their current charge card account annual percentage rates. However, what if I told you that Americans didn't have to deal with high credit card account interest rates anymore? What if I told you that not only could people enjoy low long term interest rates all while taking advantage of zero percent short term ones? Well, believe it or not, I would be telling the truth. Due to the overwhelming competition in the credit card industry, many lenders were forced to hit the drawing board to find out what would be the next financial product that would grab the attention of Americans. The answer was balance transfer credit cards. These credit card accounts would focus on literally stealing consumers away from other lenders by offering lower interest rates and better terms! Well, needless to say, due to extreme demand amongst consumers for lower charge card APRs, balance transfer credit cards have become an industry of their own! Using balance transfer charge card accounts to reduce charge card account interest rates is actually a relatively simple process. That is, if any process really can be simple when it comes to dealing with banks. Here are the steps that you should follow to make it happen for you: Step 1: Compare Balance Transfer Credit Card Offers: The first step for Americans who would like to use balance transfer charge card accounts to reduce overall APRs is to compare the different offers available to see which will be best. When comparing balance transfer charge card accounts, I suggest using JEMCreditCards.com because they update their offers daily. Therefore, you are sure to be looking at the newest, most rewarding offers. Make sure to compare all interest rates and fees! Step 2: Get Your New Credit Card: Once people have compared the different balance transfer credit cards available to them, it's time to get the card. At this point, consumers should simply apply for the charge card account offer that they feel best fit's their financial needs after their comparison on JEMCreditCards.com. To apply consumers should simply click the apply button below the offer to be taken to a secure application hosted by the lender. If approved, these people will receive their new credit card in the mail within 7 to 10 business days. Step 3: Complete The Transfers: The final step is for people to complete the balance transfers to realize lower interest rates. To do so, when the consumers get their new charge card accounts in the mail, they should call the phone number on the back of the card. Once speaking with a live representative, people should simply ask that they transfer the balances from the credit card accounts with higher interest rates. The lenders will take care of the rest. That's right, believe it or not, reducing your charge card account interest rates really is a simple 3 step process. I hope that this article has helped and that you will come to read more of my work! This article is brought to you by: JEMCreditCards.com: Skymiles Credit Card Offers Best Skymiles Credit Cards
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