| Most would-be credit card owners these days have a | | | | problem with this is some of the banks that offer the |
| bruise or two on their credit report and feel they may | | | | best rates and terms aren’t national banks and |
| not qualify for low interest credit cards. Depending on | | | | may not have a branch where you are. |
| the problem that appears on their bureau they very | | | | The next best place to look for low interest rate credit |
| well may be right. However, a large section of the | | | | cards is well established online credit card websites. |
| people with fair credit will qualify for credit cards with | | | | They usually carry a large selection of credit cards |
| low interest rates regardless of their credit | | | | that are exactly like the cards you can get directly at |
| discrepancies if they can show certain attributes on | | | | the bank. |
| the credit card application. | | | | 3) How to Apply for Credit Cards – The credit card |
| Believe it or not, some of the lowest rate credit cards | | | | issuers aren’t necessarily looking for a high credit |
| on the market only require “average” credit to | | | | score. They are looking for people with a fairly good |
| qualify for. Knowing which cards, where to apply and | | | | track record of making payments and the capacity to |
| how to accent the “positives” on you application | | | | pay them back. |
| is the key to obtaining these cards. We have listed an | | | | Let’s assume that I applied for a card having a 720 |
| explanation for these three tips below. | | | | credit score and a mountain of debt. Let’s assume |
| 1) Which Credit Cards to Apply for – Credit card | | | | that and you applied for the same card with only a |
| issuers offer credit cards these days that come with | | | | 620 credit score but with very little debt, you would be |
| all types of bells and whistles on them. Leave these | | | | the more attractive applicant in many credit card |
| credit cards alone. What you are looking for is the plain | | | | issuers’ eyes. |
| old fashion credit cards. This means no cash back | | | | Details on the application are a key factor when you fill |
| credit cards, no reward benefits, travel cards and so | | | | out a low interest rate credit card application. If you |
| on. These cards rarely benefit the “average” | | | | have been on your job 3 years and nine months |
| user and carry a higher default rate than regular credit | | | | don’t just put 3 years. List your checking account |
| cards. | | | | and your savings account if it asks, most people only |
| The plain or regular credit cards can usually be found | | | | list their checking. Finally, look at your credit report |
| at the end of each credit card sections on most credit | | | | before you apply with any credit issuers. |
| card websites. This is because they carry a lower | | | | The U.S. Public Interest Research Group reports that |
| profit margin than the cards with bells and whistles | | | | as many as 25% of consumer credit bureaus are |
| attached to them. | | | | reporting inaccurate information that can cause you to |
| 2) Where to Get Credit cards for Average Credit - | | | | be declined. If you see any errors dispute them |
| Low interest rate credit cards are rarely sent to your | | | | immediately, it may take a month or more to get them |
| home in the mail. The credit card offers sent to your | | | | corrected. |
| mail box are usually less attractive clones of the real | | | | Have the credit bureau add a comment to your |
| cards that have lower rates. We suggest that you use | | | | bureau that says “consumer disputes this |
| these applications to start your fireplace or back yard | | | | information” immediately. This will not help your |
| grill. | | | | score but will tell prospective creditors why your score |
| The best place to go to get the low interest credit | | | | is low. |
| cards is directly into the bank that offers the card. The | | | | |