Low Intro APR
No Annual Fee
Cash Back
Reward Cards
VISA
Mastercard
Business Credit C.
Balance transfer
Student Credit Cards
Frequent Flyer
Gold Cards
platinum Cards

Advanta
American Express
Bank of America
Bank One
Chase Manhattan
Discover

Bankruptcy
Slow Credit
Average Credit
Excellent Credit

• Don’t apply for a credit card if you don’t need one. Don’t be encouraged into applying for a credit card just because it has a good interest rate and you think you can buy things and pay later. Only apply if you need to manage your finances properly.

• Take advantage of the 0% deals that are on offer. There is no need to pay interest nowadays as most credit card companies offer these types of deals for at least 6 months. If used wisely you can save a fortune in interest charges. With some credit card suppliers offering up to 9 months interest free you will be able to transfer balances and not have to pay any interest for close on a year.

• Check the fine print as most people don’t realise that there are hidden charges when taking up the deal. Some Credit Card companies will charge a fee for the privilege. They can charge a % or a capped amount for admin charges. This amounts to a tidy some when you consider the millions that will take up these offers.

• Consider life of balance transfer deals. If you don’t want to continually chase the best 0% deal when yours comes to the end, then why not opt for a credit card that will offer a low balance rate until it is paid off. This can be as low as 4%. American Express' Platinum card currently offers the lowest life of balance transfer card at 4.9%. Sainsbury also currently offer 5.9% on the life of balances transferred during the first six months of ownership, and don’t charge a fee.

• Credit Card Insurance. Don’t bother! This has to be a biggest scam out there. What you get doesn’t warrant the extra amount you have to pay every month. The rules to claim if you do need to are so strict that the chances of you getting paid out are very low. If you are told this is a requirement then know that they are forcing you as this is not.

• Credit Card cheques should be discarded the minute you get them in the post. They are dangerous and will cost you more in the long run. This is really cash in advance on your credit card and comes with a very high rate of interest that will kick in the minute you use one the of the cheques.

Grant Marwick is a freelance writer and owner of http://www.only-credit-cards.co.uk where you will find advice and more articles on Low interest and 0% Credit Cards.

Article Source: http://EzineArticles.com/?expert=Grant_Marwick

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Yes, low APR credit cards are on the rise. Many credit cards are competing for your business to give you the best and lowest rates available today. There are so many credit cards from you to choose from that they are doing all kinds of things to get your attention including lowering their interest rate and giving you no annual fees.

Why is this happening? Because there are so many credit card companies. They all want your business and this is an attractive incentive to get you to apply and own one of their credit cards. If you choose a low APR credit card over one with 19.99 percent you are sure to go with the lower APR.

The only problem is that sometime these 0% and low APR credit cards are only promotional ways to get you to apply and then later your interest rate will rise. Many credit card companies have low APR credit cards for a certain amount of time such as 3 months, 6 months and some up to one year. You will have to compare to find out which one keeps the lower APR after the promotional period to ensure you are getting the best deal around.

No matter what the reason low APR credit cards are here to stay as long as the companies are competing for your business. Just remember to compare everything they offer besides the lower interest rate. You may find that several credit card companies are now offering other wonderful incentives for you to apply with them such as reward programs.

No matter which company you choose, you will enjoy the low APR credit cards even if it is only for a limited time. You will be able to save money on your purchases because you will not have to pay any interest until the promotional period is over. Just be sure your balance is very low when the interest rate kicks in and you will be fine.