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

When you are looking into applying for a new credit card, you should ask yourself what you want from your credit card company. You might be looking for the best rates, the most friendly customer service or affiliation with your current bank. Whatever it is that you want from your credit card company, you are going to be more likely to get what you want if you know what it is. Once you have determined what you want, you can make a checklist of important qualities and contact each credit card company that you are considering applying with in order to assess their abilities to provide the services you require.

Determining what you want from your credit card companyBy brainstorming about all of the important qualities of a credit card company and ranking those qualities in order of importance to you, you should be able to effectively determine what you want from your credit card company. Some of the factors that you should consider include:
• Balance transfer options
• Credit card company’s history
• Credit line
• Customer service availability
• Fees for extending over your credit limit
• Fees for late payment
• Friendliness of customer service
• Interest rates
• Lender credibility
• Web payment options

Some of this information is going to be easily obtained through the website for the credit card company. Other qualities will require communication with a customer service representative from the credit card company.

Preparing to interview the credit card company

Once you have a list of the qualities you desire in your credit card company, you should make a list of each credit card company you are considering applying for a credit card with. Then you should draw up a checklist based on each of the credit card company qualities you have determined to be important to you. For example, if you want a card with a high credit line, a low interest rate, and a friendly customer service representative, you should include those three qualities on your checklist in addition to any other qualities which would be bonus qualities for you. Organization is the key to creation of your credit card company checklist.

Interviewing the credit card company

Using your checklist of credit card company qualities, you will call each credit card company and speak with a customer service representative. You will go through each quality on your credit card company checklist and get information about that quality from each customer service representative. You should make notes as you are speaking so that you will remember which credit card company offers which benefits. You should be aware that the credit card company has probably instructed its representatives to try to get you to sign up with the credit card company while you are on the phone. You should be firm in saying that you need time to think it over. A good credit card company will respect this wish.

Applying with the credit card company

Once you have interviewed each credit card company, you should make a rank-ordered checklist of the companies with which you would like a credit card. Starting with the first credit card company, you can make your application on the phone, through the mail or online. You should wait to hear back from your first choice credit card company before moving on to the next credit card company. The reason for this is that too many credit card applications reflects poorly on your credit history and now that you are ready to select your credit card company, you don’t want to jeopardize your chances of being approved.

Martin Lukac, represents, #1 Loans USA(http://www.1LoansUSA.com), a finance web-company specializing in real estate/mortgage market. We specialize in daily updates, rate predictions, mortgage rates and more. For mortgage rates please visit http://www.RateEmpire.com

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

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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.