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Robert Harding Financial Group

 

18301 North 79th Avenue D-149, Glendale, AZ 85308

 

Phone:     623-977-9823

Fax:         623-977-0181

Toll Free: 800-977-9823

 

WE OFFER INDEPENDENT UNBIASED NO-STRINGS-ATTACHED

FINANCIAL ADVICE. WE ARE COMMITTED TO YOUR FINANCIAL FUTURE!

January/February 2021

Credit Card Lures

Credit Card Lures

Credit card companies attract new customers with enticing offers. If you’ve recently received an offer, beware of these pitfalls.


  • 0% Interest Rates
    That 0% interest rate may be for a limited time so if you fail to pay the entire principal balance by the end of the introductory period, you’ll be charged interest.

  • Sign-on Bonuses
    Often a bank will offer a cash sign-on bonus if you make certain purchases. Maybe you’ll have to spend $2,000 in the first three months. However, the bank is counting on you not paying the balance in full so they can collect interest. Any sign-on bonus you receive may be less than the interest you pay.

  • Annual Fees
    Many of the points, miles or cash back cards have an annual fee. While it might be tempting to get that card with 2% cash back on every purchase, you’ll need to spend $4,750 each year to earn enough cash back to cover the cost of a $95 annual fee.


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Securities and Investment Advisory Services offered through Geneos Wealth Management, Inc. Member FINRA/SIPC.
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