Monday, June 21st, 2010

What is the lowest interest rate credit card that I can apply for?

credit card rate
Carbonbased Lifeform asked:


I currently have a 17.99% APR credit card. I’ve had it for almost a year now. 11 months to be exact. I want to go to a lower interest rate card. Does anyone know a good low interest rate card?

No related posts.

Related posts brought to you by Yet Another Related Posts Plugin.

This entry was posted on Monday, June 21st, 2010 at 12:00 am and is filed under Credit Cards. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

6 Responses to “What is the lowest interest rate credit card that I can apply for?”

answermonkey Says:
June 23rd, 2010 at 10:59 pm

It all depends on your score, but give a try to Washington Mutual, Capital One or Orchard Bank. All recently gave me a 0% APR for 12 months. With Washington Mutual it helps if you have a checking/savings account with them, since then you can pay the stuff immediately online.

PBarnfeather Says:
June 24th, 2010 at 6:43 pm

Call the credit card you have and ask them to reduce your rate. If they won’t then is the time to get another one. 17.99% is outrageous.

daddysnurse Says:
June 27th, 2010 at 1:46 pm

There are a lot of credit card companies that will advertise cards at 0% interest, but it is usually only for a limited time after you get it. You have to read the fine print before applying. You may be able to negotiate with your current credit card to get a lower rate. I would start there and see if they are willing to keep you as a customer. Sometimes just threatening to take your business elsewhere will convince them to do something!!

loubean Says:
June 28th, 2010 at 7:15 pm

check out online all of the credit card companies….look for one with 0%…those are hard to come by, and the 0% is for a limited time…but its good while it lasts. Your interest rate is determined by how much of a credit risk you are, so the better your credit, the lower your rate. YOu can apply online for most places…just shop around. Look for one with no annual fee too!

J S Says:
July 1st, 2010 at 11:38 am

Best ones out there right now…

Simmons First Natl Bank Personal Platinum 8.95 Fixed
$0 Annual Fee

Pulaski Bank & Trust Co. Personal Standard 7.99 Fixed
$35 Annual Fee

Ed Nailor Says:
July 4th, 2010 at 10:52 am

I would highly recommend Pulaski Bank.. they offer a very low FIXED rate, which is far better than short term 0% offer!
Good luck!

Leave a Reply

You must be logged in to post a comment.