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From Polychromatic

I definitely cant blame you if you express disbelief and outright doubt when you read the words low APR credit card. Thats like an oxymoron thats never going to come accurate, isnt it? When did a credit card ever have low APR? But I assure you, there is such a thing and even though its as challenging to believe as when I tell you that aliens do exist, give this report a opportunity and read on.

For positive, youve observed, heard and read thousands of ads about low APR credit cards from the Tv, radio, newspapers and the Internet but you just tune them out due to the fact you believe these credit card companies are just pulling your leg.

Effectively, I wont lie and say that all credit card organizations are straightforward. Theyre not all sincere. But there are nonetheless credit card organizations who do imply what they say, even when it comes to low APR or annual percentage prices and to aid you establish whos being accurate and whos getting false, here are a handful of ideas.

If youre angling for a credit card with a zero percent (%) APR intro rates, you should make positive that your credit ratings are outstanding or at least much more than excellent. If you dont know your credit ratings, all you have to do is ask and pay for a copy of your credit report from any of the significant credit bureaus in the nation Equifax, TransUnion or Experian.

If your FICO scores are above 650 then thats very good simply because youre confident to qualify for a zero percent intro APR credit card. For individuals with FICO scores in between 550 and 650, its touch and go so greater examine with a credit card representative first and clarify to him if you need to submit much more documents to assist you qualify for a credit card with % APR intro prices.

Beware, nonetheless, if you have a FICO score below 550 and you nevertheless actually managed to locate a credit card company who assures you that youre qualified for a % APR intro rate credit card. Somethings definitely fishy going on.

If you locate yourself in this kind of predicament, I advise you to refuse that offer you politely then basically go through the necessary steps to fix poor credit. When your credit reputation is sufficiently repaired, just re-apply for a % APR intro rate credit card and just maybe, your luck may possibly have ultimately changed.