Credit Low Interest

Looking for credit cards with low interest on cash advance and purchase and given to people with bad credit? Hello i would like to know if someone could let me know of any credit cards with a low interest rate on cash advance (withdrawing and such) and purchases for people with or without bad credit? Thank you very much, any information will help my sister out. ~Scott Oh and please can people only list places i can apply for in Australia, again thank you.

Am I better off to consolidate my credit cards to 1 low interest credit card? I have 4 credit cards. One of them has a $100 dollar balance because I have paid it way down. Discover has a $900 dollar balance and the other 2 have $1400 dollar balances each. I plan on paying the $100 dollar balance card off today, and I make $300 dollar payments on each of them every month. Will it increase my FICO to pay the balance off of 2 of the cards and combine them all on a balance transfer to my Citi Bank card, or will it make my score lower? I want to make a higher score, and have been slowly digging my self out of debt since a bad divorce. Currently, my fico is 218. My fico is 718, oops! I typed it wrong.

When is it a good idea to pay off high interest rate credit cards with low interest rate credit cards? What should the difference be in interest rates be when it can actually make a difference in how much you will owe?

What are some good credit cards with low interest and good or no transfer rates? I want to transfer half the balnce of my old card to a new one.Right now my payment is $95/mo because of the high balance and I figure a new card would greatly reduce this if I split the debt between two cards.And also would both card charge me a transfer fee?

Is it a good idea to purchase a low interest credit card to pay of a small balance on 2 high interest cards?

How can a person qualify for low interest credit cards after chapter 7 bankruptcy?

Thinking about getting a new credit card with low interest rate to pay off 2-3 other credit cards? Is this a smart move? what should I be looking for in the details? better to go through my bank for the credit card or through another party? Couple details to add: the new card would only be used to pay off the other cards and would not be used for any other purchases. This is strictly to get rid of some debt and to consolidate to one payment. Would a loan be a better move?

Dear friend how to to consolidate two credit cards of two diffrend banks onto one low-interest card? friend i have a hdfc and sbi credit card , in order to manage my debt i wnat to consolidate both cards onto one low-interest card , is it possible? if so how? pls guide.

If I want to consolidate several credit cards to one low/no interest one.. which? I am looking to consolidate several department store credit cards(best buy, Worldmarket, Victoria Secrets) to one low or no interest credit card to help save money. Which are good companies that will allow me to transfer several balances to one card and are more likely to help with this kind of situation??

what are some good low interest credit cards? and which type should I go with? visa, mastercard, discover....is one a better choice than the other?

Which is easier to get- a high-interest credit card or a low-interest credit card? Is it easier to get approved quickly for a credit card that has a high interest rate or low-interest rate? Do credit card companies like to give away high interest rate credit cards to just about any sucker because they like to take their money? I seriously want to know!

Credit Cards, Low Interest Rates? ok I have afew questions. I have a RBC Visa, and Capital One MasterCard. Could i get another Visa or MasterCard from a different company? And do you know of one which has a low interest rate available in Ontario, Canada? I do pay my Cards in whole, but use them alot!

How do I get my credit cards to lower their interest rates? my APR is anywhere between 23 & 28%. Very high!! But, I pay all my bills on time and always pay more than the minimum... is it because I have more debt than capital? Is there a plan where I can consolidate all of my store credit cards into one low-interest card without having to go to an outside company for help?

What is the best Low Interest credit card? Hey, I've got a credit score of low 700's and I need a new card with low interest because I'm going to be making a purchase of about $2,600. I've got the money to make the payments. I'd like it to be fixed and and 0% APR for like 12 months. Anyone have any suggestions?

Does anyone know any good credit cards with low interest? Serious Only, I have a PERFECT credit score, I'm 19. I need to find a GOOD credit card with LOW interest, I have a PERFECT credit score and I am 19, a college student, my current credit card has like 25%, which is bullshit, PLEASE SERIOUS ONLY. thank you.

Where can I get the best low interest credit card? I am looking for a credit card that has low interest, ideally below 10%. Any suggestions and where can I get it?

Is there any way to lower the interest rate from 33% from credit cards to lower rate due to bad credit score? My checking was NSF when I was out of the country for few weeks. I resumed the payments on my credit card when I was back. As the result, some of my credit card interest rate jumped from 5.9% to 29.99% and 33.34%. I am still making payments on the cards, but it is very differcult to pay down the balance when the rates are so high.

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?

Looking for a low interest rate Credit Card, what can you recommend? I'm looking to transfer some of my balance from and existing credit card to a new low-interest card. Can anyone recommend one for me?

How do I transfer to a low/non interest credit card? Can I transfer my credit card balance to another card that has no or a low interest rate? I think many cards offer no interest for the first year....that would be helpful to pay it off.

22k on 5 low interest rate credit cards, should I consolidate onto personal loan? 22k in credit card debit. One card 7k on 6.9%, One 10.99% with 6k and the other two 10% and 12%. I can only get a personal loan through CBA with a fixed rate of 16.45%....should I consolidate or not?

Who has the best low interest and high limit credit card? I have a credit score of 695 and I'm looking for a high limit yet low interest credit card. My first one was from my bank so I don't know much about getting one. Please tell me what you think

low interest credit cards? what is considered to be a low interest rate on a card? And what is the lowest u have ever been approved for. My current rates arr 9.9 and 10.9. One of the banks is offering a lower APR on a card I have, but only for new applicants...apparently my immaculate record is not good enough for this. Thoughts anyone?

Should I pay off my car with a low interest credit card to save money? Would this make sense? I only have about 1-1/2 yrs remaining to pay off my car which amounts to $10,650.00 and the interest rate is about 12% . Should I just stick with my bank note? I figure I could pay it off faster and at a lower interest rate if I were to put the balance on a credit card.

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

Is it worth it to transfer part of vehicle loan to low interest credit card? Should I keep the truck balance where it is at $27,700 at 5.34% for 72 months ($470/month) or should I transfer some of that over to a credit card and have the truck be $17K at 5.34% and have $10.7K at 3.3% for life with the credit card? I'm not sure if the interest is calculated the same, or if this would save me a bit of money. I am not interested in lower payments, just saving some money on interest.

Is it better to paydown high interest credit cards first or low balances off when decreasing debt?

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!!!!

What happens to my credit card debt low interest for life APR if the company goes bankrupt? What happens to my credit card debt and more specifically my very low interest for life APR if the company goes bankrupt?

My boss has asked me to transfer business credit cards to lower interest credit cards. What are the best ones? And should I cancel the old accounts?

Is there any way I can combine my credit cards into one and pay low ? I have 3 major credit cards. The amount on each is pretty high. I'm trying to find an easy way where I can combine these credit cards with low interest rate and pay it montly. First of all, I dont make enough money to be spending my money . So i use my creditcards to purhase needy things and food or what not. I'm sure a lot of people are going thorugh this bad debt. Can someone tell me where I can find the answer to my question?

credit cards? what is absolutely the best credit card? Low interest rate, 6% or so... maybe no annual fee... and I know limits depend on ones credit, but preferably about an 8,000 dollar limit... ?

Low interest personal loan to pay off credit cards and car? I have been doing some research on personal loans lately mostly due to my credit cards interest rates. I have 5,000 in credit card debt and have been struggling to pay more than the minimum. My interest rate on those cards have gone from 18% to 28% in just one year. So my idea is to get a low interest personal loan which should be around 10-15% interest. I have a credit score of 701 and would have a very good co-signer, but my other idea was if I should go ahead and get my car paid off as well. My car is at 7.9% and I have over 3 years and 10,000 left on it. Was thinkin I could pull out a 16,000 loan and pay everything off and then change my car insurance to liability only to lower my monthly bills and allow me to put more money towards the loan each month. Would I be able to do that if i'm paying off a car loan with another loan?

I want to get a 0 interest/low interest credit card to pay off other? credit cards, dr bills, etc. Do you know of the best palce to get one? I have BOA right now and a credit card with them - should I stay with them or look somewhere else? I asked for a credit increase on my current credit card at BOA and they said no. Should I go somewhere else? Or get a nother credit card with BOA? I have had a few increases on my card.

consolidate credit cards, lower interest rate? Monthly payments? Ok, I have 2 credit cards. The interest rate on both of them is 18.5%. I have the opportunity of changing one of them to a credit card with an interest rate of 11.5%. The credit card that would be at 11.5% would be the big one(over $4000), and my other credit card has a fairly low amount on it (Under $400) so my total if I put them both onto one credit card would be around $5000 maybe a little less. Does the interest rate change your minimum monthly payments at all? Would it be a good idea for me to put both of my credit cards on this low interest 11.5% credit card?

Are there lower interest credit cards in Canada other than Capital One? I recently attempted to transfer debt to a Capital One Prime +1 card and was turned down. Is this a blessing in disguise? I've heard there is a downside in that Cap One tries to keep its customers from getting cherrypicked by other credit providers by not publishing their cardholders' credit limits, only the debt they're servicing. This gives the appearance of bad credit to competitors. Is this the only downside to these kinds of cards? Should I try for Capital One's Prime +4.9 when I'm eligible to reapply?

20% down on house or pay off low interest credit card and/or car? We are planning on buying a new house. We have enough money to put a 20% down payment. We also have credit card and car payment debt that is a little less than the 20% we could use for the house. The interest rate on the card is 4.99%. The car loan is 6.4%. The home loan will probably be 6+%. Since the interest rate on the credit card is less than the rate of the home loan, would it be better to put the 20% down on the house and then try to pay off the card and car loan in a few years or would it be better to pay off the card and car loan now and and just put 5% down on the house and have to pay PMI? Or maybe something in between like pay off the card but not the car (or vice versa) and put 10% down on the house. Is there a calculator out there somewhere to calculate the cheapest route? Thanks... We are working on paying down the credit card and car loan. At current rate they should both be paid off in about 4 years.

How do I get a low interest credit card with less than average credit? My credit took a hit a little less than a year ago and I have doctor's bills on my credit report too (not that many), but I want to build it back up by getting a credit card and paying on it. I'm making enough money to afford one, but the problem is getting one. Everywhere I apply has denied me. Any suggestions?

What can I do about high interest rate credit cards? Can I transfer my balances to other credit cards with lower interest rates?

What's better? Paying your low interest, low balance credit card first or your CD with a higher balance? I have three credit cards with roughly $6,000 combined balanced between them and I'm thinking of paying the one that has the less debt first (which also has the lowest interest rate) and then pay my other two slowly. What I mean is, I'm trying to make more, bigger payments to the credit card that has the least balance in order to get rid of it first. Should I concentrate on the credit cards that have the highest interests, or should I knock out the one with the lowest interests first?

what is the best low interest credit card with 0% balance transfer and no fees? I am trying to get out of debt and I want to transfer my credit card balance over and pay it off ASAP.

Will a mortgage broker take into consideration low interest credit cards if your credit score is low?(eg. 650) I have $10,000 sitting on a 5% American Express card. That 5% is for life. It seems to be dragging down my credit score.

the best low interest credit card? hi, currently have bad credit but wanted to find low interest card for people in my situation.

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.

Is there a way to negotiate a lower interest rate on existing credit cards? Has anyone ever negotiated a lower interest rate on an existing credit card? I have paid down all my cards and my credit has since gotten better. I still have these ridiculously high rates (like 20% and higher). I do not want to open new cards with lower interest rates because then I will lose out on credit history. I do not plan on continuing to use these cards, maybe just a gas purchase here and there.

low interest rate credit cards? first time? First time with a credit card I haven't applied for one yet. If I get one and buy something for like 600 dollars and make like 300 dollar payments every two weeks and pay it off really quick is that okay? I mean I also want to know what a good low interest rate credit card is so that I can do this.

With Low-Interest and 0% APR Credit Cards can I save on Interest Expenses? Is there any way in which I can sav With Low-Interest and 0% APR Credit Cards can I save on Interest Expenses? Is there any way in which I can save money on my credit cards?

What is the best Visa Credit Card to get that includes rewards and cash back with low interest rates? I have a low interest rate credit card through my University, however it offers no cash back or rewards program. I am solely looking for a good VISA,not anything else, rewards or cash back program that doesn't get carried away with high interest rates.

What is the best approach to request a lower credit card interest rate? I have 5 cards maxed out at $5,000 each at about the same interest rate, %27. I have $15,000 to pay them off. Is there anyway the ability to pay a card off can be used to leverage a lower interest rate, or should I just pay off 3 cards and not worry about it?

I'm juggling credit cards. One has a VERY low interest rate. One has a very HIGH interest rate.? Do I use my income tax return to pay off the LOW card (thus MOST of the money gets spent on capital), or do I use the return to pay off (not completely) the HIGH interest card?

what is the best low interest credit card out there? i was looking at the chase visa platinum or the chase visa student card. are there better ones?

Should I get other credit cards w/ lower interest to pay off debt sooner? I have $8000 on a credit card with 14.24% and am currently paying 350 a month. I have gotten another credit card with a 10.99%, should I transfer what balance I can to the new card?

With bad or no credit, is it possible to get a low interest credit card online? I'm in need of one.

What's the lowest credit card companies will lower my interest rate? I want my credit card interest rate lowered now that I paid it off. What's the lowest that they would lower it with a credit score of 759? The current APR is 19.53%.

Can I pay off a home equity loan with my credit card ( lower interest rates!)+ how do I do it? I have an offer from a credit card co with a low interest rate, 2% lower than my home equity loan interest. I would love to get rid of the horrible 8.75% home loan interest on $12,000. What to do?

how can I get my interest down and get my credit cards paid off with lower interest? I got a few credit card 0 Interest and then realized after a year i t went up to 25or29 percent how can I compys and get lower interest

What is a good credit card with low interest rates for a young person to start building credit? Curious. Any recommendations?

Borrow money from low interest credit card and invest it in higher interest yield account? I got an offer where I can borrow money from my Credit card for 1.99% APR until Feb. 2008. There is a fee of $75.00 which is minimal as the amount I would borrow would be about $18,000. I can take this money and invest it in a savings account that has an APR of 5.35%. I can make the monthly payment straight out of the account and make an effective 3% interest on the money. Would this be a good idea? The only down fall I see is how the extra debt would affect my credit score over the next year (currently in the mid 700's). However, I do not plan on borrowing any money over the next year and a half.

Is it wise to take out a low interest loan to payoff a high interest credit card? I have a credit card that is high in interest and I see little of the money going towards the principals, so I came up with an idea to take out a load to pay it off for a loan that has low interest. Is that a smart thing to do?

What is the best credit card with low interest and good perks for a college student?

22k on 5 low interest rate credit cards, should I consolidate onto personal loan? 22k in credit card debit. One card 7k on 6.9%, One 10.99% with 6k and the other two 10% and 12%. I can only get a personal loan through CBA with a fixed rate of 16.45%....should I consolidate or not?

High Limit, low interest credit card? I'm looking for a credit card that I can transfer all my balances onto, about $7000 but to my knowledge most credit cards won't give you a $7000 credit limit starting off, especially with a low interest rate. Any suggestions?

Will someone please suggest how to lump credit cards together and pay only one low interest payment a month?? Will someone please suggest best way to lump credit card debt into one low interest payment? I've got very good credit and no cards are ever overdue. I ususally pay more than minimum monthly but this is taking too long to wipe out debt of high APRs. I've asked my credit union about a personal loan (anywhere from 10.9% - 18% APR) and was told to call these ccard companies and get a 10 day payout figure. Is this the best way to lump them and pay less each month freeing up some cash? Can you suggest another way? I'm thinking I'd like to get them paid off within 36-39 months. Thanks

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

I did a credit card transfer from a high interest to a low interest. Only the low shows the transfer? I transfered froma high interest card to a low interest card. The low interest card shows the transfer, but the high interest still shows the balance on it as still owed. Is this normal? Now I'm going to be paying double interest for the same balance. Should I call and see what's going on?

Is there a credit card with low interest for bad credit for transfer balances of $10,000.00? I would like to consolidate all my debt onto one credit card but my credit is not that great. I have revolving balances, no available credit, and my payments are 3 months behind due to unemployment.

What is the act, where when your spouse is deployed in a combat zone credit cards are suppose lower interest ? I've been told by multiple people that since my husband is deployed in Iraq right now, that there is an act the says credit cards in his name will lower the interest rates. Please any info on this would be great!! Thanks

Which is a good credit card for a 19 year old with low interest? My credit score is 737. I started with a high interest credit card ( a year ago). The Apr on my existing credit card is 15%. What can I do to lower this Apr. Thank you very much. I am debt free.

I have a 595 fico score can I get a low interest credit card with who? also i am trying to get a mortgage who will mortgage me with score still moving up after cleaning up my credit. also i have a auto that i have paid on time in good standing for 1yr

what would be considered a low credit card interest rate for someone who has never had a credit card before?

How does the interest on my credit cards get lowered? I was just wondering how interest rates get lowered on credit cards? Why do some people have lower interest rates, and some have higher? I understand the whole difference between credit scores and that some people have better credit than others. But I know that every single person with a low interest rate on credit cards didn't "call and dispute with the card company until they lower the interest rate". So, how do they get it? Is it something the credit card companies monitor regularly and lower according to your credit improvement and such over the time? I'm 24 years old, my credit score is 750+. My cards have been allowed higher credit increases in very short times that I've had them, due to zealously paying them above and beyond the expect (and sometimes multiple times a month). None of the cards are charged up 1/3 of their limit..less than that. What things can I do to get lower interest rates? One has 22.24%. Not sure about the other two. Absolutely nothing bad on my credit... Actually...while it is a good practice to stay on top of what you charge on credit cards (and to immediately pay off what you owe to avoid interest)...it's good to carry a balance from time to time. Credit cards are for that; for credit. Meaning you DON'T have the money at the time - Thus, that's the whole point of credit. You can buy what you need now, and pay it a little later when you have the money. Though of course, you don't charge up what you know you won't be able to pay back, either. But good credit isn't built without carrying a balance at some point. If you cancel out your charge each month by completely paying it off, where's the ongoing charge for 'credit'? It shows them you are just playing a game, trying to make your credit better, but not being able to apparently handle needing a higher credit limit (which can and does indeed affect your credit score, that I do know). So...if they see that you "pay it off instantly", what's the point of them upping your credit line??

Which is a good credit card for a 19 year old with a low interest? My credit score is 737. I started with a high interest credit card ( a year ago). The Apr on my existing credit card is 15%. What can I do to lower this Apr. Thank you very much.

should I pay off my mortgage with a low interest credit card? mortgage rate is 10.5, credit card rate is 6.99