If you are looking for low APR credit cards but do not have the credit rating to show for it, bank issued cards may no longer be an option. Credit cards with low APR are typically made available only to those with a good to excellent credit rating. If you have a lower credit score and cannot afford to or are unwilling to pay for the steep cost of other credit card offers, a credit union card may be your best alternative. Read the rest of this entry »

A few years ago, 0 balance transfer credit cards were introduced to debt-laden consumers and became the rage up until now. The basic principle is pretty simple: transfer your existing interest-earning credit card balance to a 0% interest credit card. You will not only save on interest charges, you will also be able to pay off your debt faster. Read the rest of this entry »

It is possible to find the lowest interest credit card through credit card comparison. However, comparison sites may not readily dish out to you whether or not these lowest rates will remain the same in the coming months. There are several reasons why rates change. It pays to know these reasons so that you can look out for them when shopping for credit cards. Read the rest of this entry »