Should I take advantage of promotional credit card offers?

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  • Promotional Credit Card USB Flash Memory Pendrive
    USB Flash Memory Stick; Mini USB; USB Flash Drive

    Features:

    Read=14Mb/s, Write=6Mb/s
    Dimensions: 8.5*5.5*0.3. Cm
    Weight: 12g
    Hi-speed USB 2.0 certified
    Compatible with USB 1.1
    For Mac and PC, no driver required
    No external power required
    Functions as hard drive
    Automatic system detection as removable disk
    Shock resistance: 1,000g
    Data retention: 10 years

    These marketing tactics specifically impact consumers who enjoy an interest-free “grace period” on their credit card purchases. Consumers who pay off their total credit card balance each month receive a grace period during which they do not have to pay interest on purchases. When consumers carry their promotional credit card balance past their payment due date, they lose their grace period and are charged interest on all new purchases. The only way for these consumers to avoid interest charges on new purchases made with the credit card is to pay off their whole statement balance, including the promotional balance and the new purchases, by their monthly billing due date.

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Credit card offers arrive in the mail every week for many Americans