Which is a good credit card for a 19 year old with a low interest?

Question

My credit score is 737. I started with a high interest credit card ( a year ago). The Apr on my existing credit card is 15%. What can I do to lower this Apr. Thank you very much.

Answer 1

Have you tried to ask your bank (or credit card issuer) to lower your rate? Sometimes it's as easy as calling up a representative on the phone and asking them. Let them know why you think your rate should be dropped-- and tell them you're looking at other offers. If that fails-- then you might want to look around.

You can find a great list of low interest credit cards here:

http://www.asapcreditcard.com/0-apr.html

GOOD LUCK!

Answer 2

You credit score is average to slightly above average. 15% is really not that bad right now. Do you have a balance? If so look into a balance transfer. You probally can get zero percent for 12 months. Keep the existing card open and paid off. Open another card with a lower interest rate. Try Chase or Capital One. Also talk to your bank or credit union about what is available to you. You can also ask your existing credit card company for a rate reduction. Also always choose a fixed rate over a variable. Do not shut down your old card it will hurt your FICO score.

Answer 3

You can get a credit card easily for peeps with no credit history or low interest card

Answer 4

There's many out there but you have to decide what factors best apply to your situation. Just remember to keep your credit line real and within your means to avoid the tragedies others have suffered through ignorance!

Answer 5

Pay off your existing credit card asap.
don't use it anymore.
If you don't have cash, don't charge it.

www.oprah.com
has good info on her site about credit debt
so does
drphil