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Advice on Apply For Low Interest Credit Card

Find more information about Apply For Low Interest Credit Card at the best oniine resource site Teen Analyst.

Q: Where I can apply for a low interest credit card online?
I want to apply for a low interest credit card,but I’m not very familiar with this type card features,any body can tell me some info. about this type credit card? By the way, any credit-card comparison website you would like recommend? thanks

A: Discover has a 0%APR for the first year after signing up. I’m in the process of getting one, but before I go all the way through with it, I’m going to read all of the fine print material. Overall it sounds legit.

Q: in nz what is the best credit card to apply for with low interest rates and no annual fees?
i havent had a credit card before but i would like to apply for one but i need one that has very low interest rates and no annual fees. i am in new zealand. any suggestions?

A: Check with ANZ

Q: What is the best credit card I can apply for with low interest to build my credit up? I am only 20 and do not?
have any credit right now. I want to do some things that will build up my credit but am not sure what to do. Any suggestions? …I have tried to apply for one credit card and I didnt qualify just because I had zero credit! I mean, how do you get credit if someplace doesn’t let you start? Help!!!

A: First let me start by giving you VERY valuable advise … STAY AWAY FROM DISCOVER CARD!! ……

Do you have a checking.savings account with a local bank? If not that should be one of your first steps. Just make sure you always have extra cash in your checking account so you do not mistakenly overdrawn your account. Once you have established yourself with a local bank you can apply for a credit card with them. This is where you are likely to get the lowest interest rate. If you do not have the time to establish yourself with a bank or your local bank has already turned you down, try a department store like Walmart. The interest rates are awful but if you read the fine print you can pay off your balance every month and not pay the interest. Once you get the card just buy your normal purchases with the credit card and pay the balance off every month. This is sometimes easier said than done so you really need to be committed to building your credit to do this. Set aside the money in cash every time you make a purchase so when the bill comes in the mail you have the cash to make the payment the next day. Once you have had that card for 6 months try your local bank again, then cancel the first card.

Q: Hi everybody, I would like to apply for a credit card with low interest rate.?
Also low rate on balance transfer. I am in Canada and checked all the websites you mentioned. However they are for american. Could you please let me know if you know any other websites or promotions. Many thanks,
Meda

A: There are a few websites that offer information on the various credit cards out there. We can start with the Financial Consumer Agency of Canada which offers an interactive credit card tool;

http://www.fcac-acfc.gc.ca/Tools/CCInteractive/CCYStepProvince.asp

There is also Credit Card Search, which is a public directory of credit cards and offers in Canada.

http://www.creditcardsearch.ca/

Last, but not least, I’ve found that the “Personal Finance” section of the Red Flag Deals forum has some of the most current information on special deals and offers for credit cards available. You’ll have to search through the forum a bit, but if there is a special low-interest deal these guys have found it and posted about it.

http://www.redflagdeals.com/forums/forumdisplay.php?f=41

Hope this is some help!

Q: What is the best credit card to apply for with low interest rates?

A: Low interest rate is going to be determined by your CREDIT RATING, not by shopping for the card.

Any card that you see that says ” X interest rate” also has in its fine print that the company reserves the right to put a different rate on the card should your credit refs not warrant the excellent rate.

SO– to answer your question, there is no ” best card with lowest rates”…

Q: I want to apply for credit card that has low interest rate and can be trusted. I live in the Philippines.?
this is my first time to apply and i don’t wanna get wrong. I shall be using this for my online tutorial class in visual foxpro. i beg u to help. thanks

A: It looks like your request has attracted some spam adverts! Your best way to get a credit card is to go to a local bank with a good reputation. I would avoid online only companies. The bad news is all credit card companies charge high rates of interest.

Good luck with your studies.

Q: What is the best low interest credit card?
I need a low interest credit card with no fees but i am a student and have a limited credit history. Which card can I apply for?

A: As long as the interest rate is low and the fees are low, it doesn’t matter which card you get. If you pay your bill on time, there isn’t anything to worry about.

Q: i need to apply for a basic low interest credit card to simply build credit – any suggestions?

A: go to creditcards.com they have tons of useful info. i got a capital one card and it’s great.

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

A: 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.

Q: what is a good, low interest, credit card to start establishing my credit with?
I have absolutely no credit whatsoever and I’m being denied by every card I apply for! I have a good, steady job but I am not in college at the moment. I’m getting married and I would like to build my credit for the future. Does anyone have a card they can suggest, preferably a visa (but not necessary) with low interest, that will probably accept me?

thanks everyone!!!!

A: If you have no real credit, you don’t get to luxury to shop around. If you have a bank account, I would go to them and ask about a credit card or even a prepaid VISA. Every time someone checks your credit, it hurts your score, so shopping around will really hurt you.
Once you get a card and make your payments on time, in a year or so you will begin to get credit card offers in the mail. Then you can begin to look around at what else is out there

Q: Is it possible to apply online prepaid credit card for bad credit people?
I have no credit and want to apply for credit card with low interest so anybody knows where I apply for a good prepaid credit card with bad credit.

A: Yes. credit card company uses encryption known as Secure Sockets Layer (SSL) for secure transmissions. SSL provides confidentiality between 2 communicating applications, such as your PC and our corporate Internet server. When your data is transmitted over the Internet, it is encrypted at the sending end and then decrypted at the receiving end. All online application information is kept on a secure server and protected by multiple firewalls. As an added precaution, we monitor for security breach attempts.
you can get a best prepaid credit card for bad credit people from: http://www.lowest-apr-cards.com/PrePaid_Card.html

Q: problems getting a low interest credit card due to bankruptcy 10 yrs ago?
hi, I had to file a bankruptcy 10 yrs ago(in May) due to my husband (who is an ex now) charging up my card almost $40,000 and running off with his new girl friend leaving me with a debt I couldn’t begin to pay since I wasn’t working at the time. What Im asking is why am I still being penalized and denied credit or offered ridiculously high apr rate cards after 10 yrs of excellent credit. I now have 2 cards that I didnt go bankrupt on cause there were very low balances on them and I was able to pay them off but in the 10 yrs I have been making payments not only on time but twice a month and very high payments, for example I made a $1500 monthly payment on a $ 10,000 balance and always on time or early so I have had really great credit in the past 10 yrs and the bankruptcy wasn’t my fault and still I can’t get a decent low interest card, they keep denying me due to my past “bankruptcy” and the cards I already have refuse to lower my interest rate. Can they do this, I canceled one of my high interest cards, paid it off in full and now I only have one card left with 16.9% interest which I think is still too high so I keep applying for lower rate cards and get denied. I don’t get it, Im a perfect candidate for credit and they still deny me. Meanwhile my sister had a bankruptcy 12 yrs ago and she was able to get a 3% interest rate card with no annual fee. And she had a $120,000 balance when she went bankrupt, I only had $37,500. It doesn’t seem fair. Sorry this is so long, I don’t know how to make a story short..lol
my 10k balance is now down to 3k, I am paying it off $1500 a month. My total credit card debt on all my cards(2) is 4500 and I should have the whole thing paid off in the next 3 months. No more charging for me after that, Im canceling my cards and just using cash. I’ve had it with credit cards changing the rules and doing what they want.

A: The problem is not that bankruptcy from 10 years ago. It’s that $10K balance you are carrying on that credit card. I bet your sister pays her credit cards in full or only carries small balances for short periods.

Pay off the credit card completely. Then only charge what you can afford to pay in full each month. You will get all sorts of low interest offers.

Q: I’ve never had a credit card. What’s a good one to apply for with a low balance & low interest?
I’d like to keep it as simple as possible.

A: Small Bank…it is good place to start…large bank won’t give you a good deal, they got too much business…

Q: With a credit score of 642,what is the best credit card I should apply 4 with the lowest interest rate?
Looking to get some good benefits as well. Debating between Virgin America VISA (for airline miles) and Wells Fargo as well. Help!

A: a 642 score will NOT get you a low interest rate – probably 18-22% if you’re lucky to get approved at all

Q: Should I keep my debt on a low interest Credit card or use my home equity for a loan to pay off.??
HI I have about $20000 in credit card debt that I have been conscientiously willowing down for a bit now. I plan to have it down to 0 in about 1 year and a half. Presently it is spread amongst 3 credit cards..two have 3.99% and one of them is at 1.99%…all until about August or so..then I imagine I can transfer them around again. My question is ..I have enough equity in my coop to be qualify for up to a $60,000 equity line of credit…at prime plus “0″ —I’m not sure if it is to my advantage to use this equity line of credit to pay off my credit card debts…provided I apply for it. I’ve heard that the interest is deductible..would this make the decision a slam dunk obvious one??or are there other factors to consider.. I think prime is at 7%? now? Thanks for your help.

George

A: I have been reading so much about credit. On many documents that I have read it’s good that you have the balance spread out on all your credit cards. The Equity Loan that you would get will be at a higher interest rate, so the best thing that I would probably suggest is to possibly find a way to increase your credit score to possibly 720 or higher and then refi your home loan, because you will be able to get a better interest rate than consider paying off those balances with a lower interest rate.
P.S if you need more info on credit, I can defenitely give you some info..

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