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How To Make Sure You’re Getting the Best Credit Card Rates

Are you getting the best credit card rates possible? You’d better hope so. If you’re not, you could be throwing thousands of dollars down the drain without even realizing it. Want to know how to make sure the best credit card rates are on your monthly statements? Here are four tips that will help you do just that.

1. Watch Those Payments

The first and most critical step towards getting the best credit card rates is making each and every one of your credit card payments on time. One late payment and it’s like a credit card domino effect. The card you paid late experiences a rate increase and then your other cards’ interest rates are jacked up too.

How exactly does one credit card payment affect a totally different credit card? Welcome to the world of the Universal Default Agreement. When you default on one credit card, your other credit cards are given license to act as if you defaulted on those as well. As a result, your rates begin to jump. At this point, even the best credit card rates can soar to 20-percent or more.

Do yourself a favor — if you want the best credit card rates, make on-time payments priority number one.

2. Don’t Be Afraid To Ask

Sometimes getting the best credit card rates is as easy as asking. Think your credit card company is charging too much? Tell them you want a rate decrease. If you’re a good customer who makes on-time payments each and every month (and you’re not already enjoying the lowest rate they can offer) your credit card company may be willing to reduce your rate to keep you as a customer.

If, at first, the person on the phone balks, tell them you want to talk to the manager. Explain to the manager that you can get a lower rate elsewhere (and will) if your needs are not accommodated. If it’s at all possible to lower your rate, they usually will.

3. Transfer Your Balances

If your current credit card company isn’t willing to lower your rates, don’t be afraid to jump ship. There are many companies out there that offer the best credit card rates and if your credit is up to par, they’ll be happy to transfer your balance over to a new account.

When transferring balances, just make sure you don’t get sucked in by a “teaser” rate. If the low rate jumps up six months from now, you’ll be back to square one. The best credit card rates are fixed rates — not limited-time offers.

4. Don’t Balk at Annual Fees

Sometimes getting the best credit card rates requires paying an annual fee — especially if you have less-than-perfect credit. If your credit situation isn’t exactly ideal, don’t balk at paying a low annual fee in exchange for getting the best credit card rates. If you have high balances and a lower rate allows you to pay your debt off for less, the annual fee can pay for itself.

The best credit card rates aren’t just a pipe dream. They’re there for the taking if you know how to get them. Don’t overpay for finance charges. Use the above four tips to make sure you’re getting the best credit card rates possible.

Finding the Best Credit Card Offer

If you have a bank account, you should check with your local bank to find out if they have the best credit card offer available. Otherwise, visit the World Wide Web where banks post charge card offers daily. You can compare cards easier by shopping online.

Both secured and unsecured offers are posted on the web, which gives consumers many options. Secured cards are designed for those with bad credit, and unsecured cards are for those with good credit scores. Right now if you have good credit, you can receive a 0% introductory APR for up to 18 months on selected cards.

These offers are available online and include no annual fees, excellent reward systems, and you can be approved in as little as one minute. If you have bad credit or no credit, offers are available to all applicants online.

Some offers include monthly credit reporting, fast and easy applications, and instant response. To apply, you simply fill out an application online. Some vendors are offering free direct deposit for tax refunds, paychecks, and anticipation loans.

The cards incorporate a free credit builder solution and account tax alerts. You do not have to pay monthly fees with most cards, and there are no hidden fees. Compare cards online and apply for only the ones with the best terms and rewards.

If you apply for several cards at once, a point is taken off your credit score. If you already have bad credit, the last thing you need is more points deducted from your score. If you have bad credit and are applying for a card, keep in mind that most banks do charge processing fees.

Compare your options to save money and time. If you have good credit, you should not have any problem getting an unsecured card. All you need to do is select the best credit card offer online and apply.

If you are applying for a secured card you can find 100% approval offers online. The company may accept all credit types and offer reports from the three major credit bureaus monthly. You can find deals on an introductory APR as low as 6.99%, and pay around 13.99% after six months. Initial fees may apply, and fees vary depending on where you apply. Initial fees may be reimbursed by some companies so compare your options.

Whether you are applying for secured or unsecured credit cards, always check the terms and conditions and look at the fine print to make sure there are no hidden fees. To find the best credit card offer, surf the Web and check out features, APR, interest rates, and other specifications involving both secured and unsecured credit cards.

Help Find The Best Credit Cards Rates By Researching Credit Cards Comparison

If you have been turned down for credit in the past and you want to be able to get financing to buy something. We help show people how to compare different offers to find the best credit card to fit their needs. Depending on why you are looking for a credit card. You need to first learn about the benefits that you can pick from based on what is important to you.

Your credit score is the primary factor that determines what kind of credit card deal you can get approved for. There is a way to repair your credit just by disputing all the negative things that are on your credit report. You would be surprised at how easy credit repair is. All you have to do a lot of times is just initiate a dispute about any bad item on your credit report. If they don’t address your request within 30 days then it has to be removed from your credit report legally. This doesn’t matter if the information is true or not. Most of the time that is all it takes to get bad items removed from your credit report.

Your personal credit report is your property you have the right to dispute information on that report that can be used against you. This helps you get a better deal when doing credit cards comparison. The credit bureaus want you to have bad credit. The lower your credit score is the more money the banks make when they lend money to you. All these institutions work together. So this means you are guilty of any and all information that is reported about you to them until you prove your innocence. The problem is no one tells you that you even have this right to repair your credit. It is not to the best interest of the credit bureaus or the banks that lend money to hand out this information.

If you want a new credit card then you will want to look at the benefits of the card that you want. You can choose from things like low interest credit cards, balance transfer credit cards, cash back credit cards, bad credit credit cards, and much more. Look through our guide for credit cards comparison to find out what kind of credit card you would like to have.

Credit cards are a great tool when financing things that you need. They are no good to you if all you plan on doing is shopping for things that you can’t afford. This is what gets people in trouble as most of us know all to well. Now if you are financing just 1 large purchase that you want to make payments on. Using a credit card for that would be a smart thing to do. Or if you just want to earn rewards on things that you need to buy regularly like buying gas. You need good credit to get approved for these kinds of credit card offers. So if your credit isn’t that great and you want to repair it. Check out our guide for easy credit repair. This will give you more information on how you can raise your credit score so you can get approved for these kinds of credit card offers.