2007-05-30 13:06:27 · 7 answers · asked by Anonymous in Business & Finance ➔ Credit
For any credit card, I would make a Credit Union the first stop. If you are not a member of a credit union, see if your school, job, or community has one that you can join and check there.
Also, you ask a great question, but please understand that APR is only part of the equation. When you are searching for a credit card, make sure you compare not only rate, but fees, minimum payments, and the rate structure. It's kind of like buying a car and the dealer only wants to know what payment you want. You may get your payment, but you pay way too much for the car.
A good card should have no annual fee and no penalty pricing (if your payment is late-sometimes even a day or less, your rate can skyrocket). Many cards also include a rewards program that can earn you airline mileage or merchandise. Don't pay for this service, but it's a nice bonus if you are using your card regularly.
Lastly, a credit card is a great tool when managed responsibly. I would encourage you that if all possible, only charge what you can afford to pay off. As long as you pay your balance off each month, you should not incur any finance charges and as a result , the APR wouldn't be a factor. The key to a strong financial future is keeping as debt free as possible.
Good luck with your search.
2007-05-30 13:52:23 · answer #1 · answered by CUDUDE 1 · 0⤊ 0⤋
If you're looking for the lowest APR, here's a good place to compare some of the TOP offers:
http://www.asapcreditcard.com/low-interest.html
Although most of the lowest APR credit cards don't offer a 0% APR, if you aren't transferring a balance (or making any short-term purchases soon)... low interest credit cards are a great way to save more money on interest charges over the long-term.
Hope this helps. GOOD LUCK!
2007-05-30 14:57:59 · answer #2 · answered by Anonymous · 0⤊ 1⤋
0% Intro APR credit cards are a boon for those who like to manipulate things. These credit cards allow you to save on high interest rates while the offer lasts. Apply online for low apr credit card at: http://www.credit-card-gallery.com/0_Intro_APR.html
2007-05-30 23:09:58 · answer #3 · answered by Anonymous · 0⤊ 0⤋
the terrific way might desire to be taking great component approximately any pre-authorized provide you with get in the mail. those will oftentimes have very low introductory expenses on stability transfers. in the long-term the terrific thank you to get a low APR card is to have large credit. If, by twist of destiny, you're previous due on a fee you will get hosed by skill of each and every mastercard organization that i'm attentive to. Get large credit and you will take your %. of lenders. flow to the positioning decrease than for extra credit advice.
2016-10-09 04:05:33 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Another site that may interest you:
http://aaacreditguide.com/credit-cards.html
2007-05-30 17:02:29 · answer #5 · answered by Anonymous · 0⤊ 1⤋
go to bankrate.com. they have stats on all kinds of cards.
2007-05-30 13:34:23 · answer #6 · answered by njyogibear 7 · 0⤊ 0⤋
check your junk mail...................
2007-05-30 13:37:44 · answer #7 · answered by dikhead 3 · 0⤊ 0⤋