The lowest interest rates are possible for those who have excellent or good credit history. The same situation we can see with a zero intro APR offer. Zero periods may last up to 18 month but you should be ready for quite high APRs after that period expires.
Another unwilling fee for you is an activation or set up fee. Such fee you should pay if you applied for a prepaid card. The credit cards also have such fee and it is generally charged to those with bad credit. However if you have better than bad credit it doesn’t absolutely mean that you won’t be charged an activation fee.
Thus if you have good-to-excellent credit history you can find a card that has low fees and interest rates. But don’t loop on the idea of getting both or you won’t get any of it. Choose a credit card according your credit history. Also don’t forget about other terms. Remember you are choosing a credit card, the whole product with all its pluses and minuses but not the parts of it.
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How do I go about getting the lowest interest rate possible and not have to pay a high price to activate the card?
[Thursday, August 23rd, 2012]See also
- Hello. I have a credit score of 725, but I have not had this credit for long it is not even a year. I would like to get a credit card for about a 3,000 limit. I will need to use this card for odds and ends for about 8 to 9 months until my apprenticeship is over and I am earning money again. I would prefer a card with 0 APR intro. Are there options for me?
- I receive SSI once monthly. I really could use a credit card with a low APR. For use only when needed for emergencies.
