What company will offer me the best credit card offer and highest limit?

Question

I currently have 3 credit cards but I want to put it all together into one car that way I can pay a low apr. My credit score is in the high 600's but dont want to get stuck with a low limit.

Answer 1

The lowest APR (that I'm aware of) right now is the Pulaski Bank Visa at 7.99%. But it only has a credit limit of up to $10,000. Plus, the 0% APR is only 6 months on balance transfers.

I would recommend the Rewards Advantage Platinum Visa from First National. It has an APR of 9.99% and a much higher credit limit. Plus, the 0% intro APR is for 12 months on purchases and balance transfers. And it has a rewards program! You can find it here:

http://www.asapcreditcard.com/first-national.html

Of course, you'll want to compare other offers too. But this might be your best option.

Hope this helps. GOOD LUCK!

Answer 2

There are basically two options. One is to see which of the credit cards you already have has the lowest APR/ You can call the bank and say that you are considering closing the card because the APR is too high or the credit limit is too low. The banks are interested in their clients so they might offer you a better deal. Or you can shop around and find the best offer. Keep in mind that your credit score is not that super so you should probably consider credit cards for fair credit. Check http://www.ezpreapproval.com/Fair-Credit-Cards-1049219-page.php
Use the balance transfer option and then close the cards you do not want. It would be a good idea to pay off the money you already owe and then start borrowing again. This will allow you to get a better deal and save more money.

Answer 3

just shop around to see. There are several sites on the web which give you all of the information. Also, just call up one of the credit cards you have and see if they will raise the limit and ask about the apr... I have a washington mutual which has a low rate on transfers and a large limit

Answer 4

Why not see about raising the limit and/or lowering the APR on your oldest card and consider simply not using your other cards? If you tell them that you're considering changing credit cards because you want a lower APR, they'll probably lower it (especially if you let them know of any pre-approved card offers you've received in the mail... be specific in telling them what banks and what APRs). They may increase your limit as well if you ask them to. Trust me, the card will want your business.

Answer 5

First of all, you need to understand that the bulk of the revenue from credit card companies come from the finance charges and annual fees associated with the card. If you do not pay off your credit card balance in full, you will need to pay interest. On top of that, if you exceed your card limit or do not make your monthly payment on time, you are slapped with an extra finance charge. And if you withdraw cash from your card, you also need to pay some form of surcharge. These are just a few common ways that credit card companies make money from you.

For credit cards that do not carry annual fee, the interest rate associated with them is likely to be higher than those with an annual fee. This makes sense, as the card companies want to offset their revenue loss from the annual fee by charging a higher interest rate. In fact, the gain from the higher interest rate can even be more lucrative than the annual fee alone.
Read more about credit card at: http://www.card-gallery.com/article/154,Are_There_Any_Benefits_To_Owning_A_No_Annual_Fee_Reward_Credit_Card

Answer 6

http://www.bankrate.com