Pros And Cons Of LTF Credit Cards

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A lifetime free credit card comes with zero joining or annual fee. These free credit cards are best suited for beginners or first-time card users, who have just begun their professional journey or have never taken any form of credit in the past. Lifetime free cards are also suited for those who do not want to pay any fee for the card.

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Benefits of LTF

No joining or yearly fee:

In essence, the majority of credit cards charge an annual fee. These costs are waived, though, if you use your card frequently and make the necessary purchase. Users with lifetime free credit cards have the exclusive perk of having no joining or yearly fees, with no eligibility requirements.

Instant approval:

These free credit cards frequently have modest minimum income requirements, and other requirements for eligibility are typically not too difficult. Users can expect a quick application approval and card issuance just because of that.

Credit score:

Lifetime free credit cards can assist users who are battling with a low or negative credit score or even those who are just looking to start on their credit score journey because they are free and have no joining or yearly fees.