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Over the past year, credit card interest rates have declined significantly. However, getting approved for a low APR credit card is not as straightfoward as it may seem. Credit card companies offer different interest rates to different consumers based on internal credit reviews. Consequently, many credit cards that advertise low APRs may not truly be low APR credit cards. One way to make sure you get a low interest rate in the near term is to apply for a credit card that offers a 0% APR on purchases and balance transfers for a year. With a 0% APR credit card, you can defer all interest costs. This not only puts more money in your bank, but can also help you pay down high interest credit card debt faster.
You've seen the offers: 0% balance transfer, pay no interest for one year. For those carrying balances on high interest credit cards, the savings that can be reaped with these balance transfer offers is tremendous. However, one false move and you'll not only lose the 0% rate, you might also end up paying a higher rate than the one you previously paid. Credit card issuers call it the default rate, and it can range up to 29.99% or more, a far cry from 0%....Read More
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*All low APR credit card application information is presented "as is" and without warranty and is subject to change. See low APR credit card applications for complete terms and conditions. All stated low APR credit card APRs are lowest available rates. You may be approved and offered a higher rate. Credit Card Depot Inc. attempts to maintain accurate information, but occasionally, a discrepancy may occur.
