GoodYearCreditCard.net
- Go Goodyear or Go Interest
Free?
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Is
a Goodyear Credit Card for You?
Hi, I’m Tom.
I'm always looking for good deals on tires (I have four
cars!) and the Goodyear credit card is attractive because it qualifies
you for special deals and discounts on Goodyear products.
But
I also like low or no interest credit cards, so there's a time and
place for those also. I created this special page to advise you on
the Goodyear credit card, as well as the advantages and
disadvantages of interest free credit cards, so you can judge for
yourself which is best for you.
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Goodyear
Credit Card - What You Need to Know
Goodyear
has always been a reputable company that is interested in finding
solution to meet its customer’s needs and make their life a little
easier. As such, it offers the Goodyear Credit Card
to make purchasing Goodyear products even easier.
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Although
the Goodyear credit card is primarily promoted to Goodyear tire
customers, anyone can apply for the card online or at any Goodyear
retail location. There is no annual fee with Goodyear credit
card, low monthly payments are offered, and many exclusive promotional
offers and discounts apply to card holders. These features,
plus the 4,500 retail locations all across the country and Goodyear’s
easy to use online services, make the Goodyear credit car a good option
for many customers.
All in all, the Goodyear Credit Card is a fast, convenient way to make
your tire and service purchases. With the Goodyear Credit Card, you’ll
have:
* Low monthly payments with no annual fee
* Over 4,500 locations nationwide
* Exclusive discounts and promotional offers for cardholders.
For example, they currently offer up to a $160
mail in
rebate when you purchase tires using your Goodyear credit
card.
* No interest if paid in full within six months, on purchases
over $250
In addition, you’ll have the following online services available
anytime of the day or night:
* Check your balance or available credit.
* Pay your credit card bill
* View unbilled activity, invoices, and statements–even
download for your
records.
* Manage your account information and get answers to
questions about
your account.
You can also use your Goodyear credit card for purchases made at all
Mr. Tire locations and all Monro Muffler and Brake locations.
To apply for the Goodyear credit card, you can do so in person at any
of their store locations, or, for even greater convenience, go to the
application page of their website at Goodyear.com. You must
be a minimum of 18 years old, and be a United States resident with a
valid Social Security number. Your online application is
secure and encrypted.
Your application will be approved or denied based on your credit
check. You may receive instant online notification of either
approval or denial in some instances. If you don’t, you will
receive a letter regarding the status of your application within 30
days. If approved, you can expect your Goodyear credit card
in the mail in about two weeks.
Goodyear cards are made available through Citigroup Bank.
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About
Goodyear Tires
Goodyear
tires, formally known as The Goodyear Tire & Rubber Company, is
among the world’s leading manufacturer of tires. The Goodyear
name is one of the most recognizable brand names in the
world. They operate throughout the world, with 57
manufacturing plants in the United States and 22 in other countries.
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In addition to its
own facilities, Goodyear has a worldwide alliance with Sumitomo Rubber
Industries and, along with rivals Michelin and Bridgestone, is one of
the top three tire makers on the planet. Many people aren’t
aware that Goodyear also sells tires under many other well known names
such as Dunlop, Kelly, Fulda, Debica, and Sava.
They also are a leading supplier of original new car tires for many
automakers. Goodyear has over 4,300 retail tire stores
located around the world. They also offer an attractive
Goodyear Credit Card, with which many special offers and discounts may
be obtained.
Founded in 1898 by Frank Seiberling, the company was actually named in
honor of Charles Goodyear. Charles Goodyear was the inventor
of vulcanized rubber in 1839, which made modern tires
possible. The first Goodyear tires gained popularity due to
the fact they were easily replaceable and had a reputation for low
maintenance and high quality. They grew into a major producer
of tires for automobiles, commercial trucks, SUVs, race cars,
airplanes, and even heavy earth-mover machines.
In addition to these many industries, Goodyear is also the most
successful supplier of tires to Formula One race cars in the history of
the sport. They have a record of more wins, starts, and
constructors’ championships than any other single tire manufacturer.
But many people are acquainted with the Goodyear name not because of
its tires, but because of another famous advertising medium: the
Goodyear blimp. The first Goodyear blimp had its
maiden voyage in 1925 and since then it has become one of the most
famous and recognizable advertising icons In America. Who
hasn’t used at one time or another the common phrase “that’s as big as
the Goodyear blimp!”
The Goodyear Eagle and Goodyear GT tires are especially well-known to
consumers and widely available not only at their own retail stores, but
at many leading tire store chains throughout America.
Quality-wise, Goodyear tires routinely receive high ratings.
In fact, in a 2010 ratings comparison of name brand tire stores
published by Consumer’s Checkbook, Goodyear Tire Stores received an
overall approval rating of close to 80%.
So remember, always trust your safety and the safety of your family to
well known and respected tire brands such as Goodyear.
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Are
Interest Free Credit Cards Still Available?
With the recent worldwide
economic downturn and corresponding tightening up of credit, it’s
natural to ask if interest free credit cards are even still
available. Happily, the answer is a resounding yes!
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Even
in these days of tight credit, the credit card industry is still very
competitive with hundreds of banks still issuing credit
cards. And in fact, you’ll find that zero percent credit
cards are relatively easy to find, with either a zero percent APR
(annual percentage rate) on purchases or a zero percent APR on balance
transfers. Some cards offer both. The catch, of
course, is that the interest is always free for a limited period of
time. After all, the credit card companies do eventually have
to turn a profit with you!
You do have to be willing to search for these deals a little harder
nowadays, but you will find them. IN fact, unless you have a
bad credit score, little income, or are unemployed, you will easily
find multiple offers.
The best place to search for interest free credit cards is
online. There are now hundreds of Internet sites that
specialize in comparing credit card offers from multiple banks and this
is a great way to find the best interest free offers. Start
out first with the very large sites that compare the offers from the
greatest number of banks. You will need to check several of
these, as different sites will compare different banks and you want to
make certain that you’re getting the best deal available from the many
you will find.
When comparing offers, remember: the interest free period can vary
widely and you want the card with the longest interest free
period. Also pay close attention to the fact that the period
can be different for purchases versus balance transfers, so be sure to
look at both. You’ll also want to compare the interest rates
that will apply after the end of the interest free period, as that’s
the rate you’ll have on all balances going forward.
Even though finding those interest free credit card offers is a bit
harder than in the past, they are still pretty easy to find.
However, watch out for new hidden charges that are now frequently
included, as they can take away much of the advantage of that interest
free period. You may also find restrictions such as low
credit limits, shorter interest free periods and increased balance
transfer fees.
But even with these new restrictions, interest free cards can still be
found and can be a good deal….at least for a period of time.
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Interest
Free Credit Cards DO Have Disadvantages
Even with the current
economic turmoil and credit crunch, the credit card industry is still
very competitive and many banks still offer enticing “interest free”
credit cards to get your business. Used carefully, these can
save money. Used carelessly, they can get you into financial
trouble fast. Here’s why.
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1. The
zero interest rate is always for a limited period only, usually three
to six months. Any purchases you make during that period will
indeed incur no interest, but only during that period. After
the initial interest free period ends, any balance remaining is subject
to the normal interest rate charged by that card. If you have
run up a big balance, you will in for a rude awakening.
2. Potential for reducing your credit score. The
credit scoring bureaus now routinely check your financial
information. If you have obtained new interest free credit
cards and run up big balances, your credit score may take a
hit. Also, new and large balances are frequently looked at
unfavorably when you apply for other loans. So don’t let
yourself get lured into running up a lot of credit card bills simply
because the interest is free for a certain amount of time.
3. You may end up with a greater amount of overall
debt. If you obtain some interest free credit cards, you may
be tempted to use them for things you wouldn’t otherwise purchase,
simply because of the free interest. One good way to use your
interest free card is to transfer a balance from another card on which
you are paying a high interest rate. Used that way, instead
of running up more debt, the interest free card works to your advantage
4. You may be tempted to slack off on your payments.
Since your bills during the interest free period don’t increase your
balance due to interest, it’s easy to use that money for other things
instead of paying down your balance. This is a
mistake. You need to pay down your balance before the end of
the interest free period to use interest free credit cards the proper
way.
If you are disciplined in how you manage your money and can pay your
credit card balances down regularly, you can use interest free credit
cards to your advantage. They can particularly be leveraged
to transfer balances from high interest credit cards but only if you
then pay down the balance before the end of the interest free period.
Otherwise you may end up worse off than you were before.
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