Low Intro APR
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VISA
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Balance transfer
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platinum Cards

Advanta
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Are you reading this article because you are like most Americans and you have huge credit card debts? Do you want these bills to disappear? Are you looking for a Santa Clause from the heavens? Maybe you can pray to God for money from the sky? Or better yet perhaps you can win the lottery. Did you know that 70% of all Americans have 1.5 times their annual income in short term debt; that is to say credit card loans, car loans and time payments for products like furniture, BBQ, swimming pools, etc?

Are you one to take responsibility for your own actions, yet are looking for some way to get out of debt? How about this last Christmas Season? How careful were you in your expenditures? While shopping did you end up buying twice as many things for yourself? How did that make you feel? Good one would presume? Are you addicted to spending? Do you really want your credit card bills to disappear; because if you do, you are going to have to rethink your budgetary strategy.

Let’s say you suddenly had all your credit cards paid off? Then what? Well the credit card companies keep upping your balances. If your credit card bills disappeared tomorrow can you trust yourself to stop spending at the rate that got your into this predicament in the first place? Somebody help you? Think on this.

"Lance Winslow" - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/wttbbs/

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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.