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Answer:
If there is only one credit card in your name and you applied for it more than two months ago, then you can safely apply for a new one. Financial experts say the overall number of credit cards you own is less important than the frequency you applied for them. As a rule, each application involves a credit check and it has an impact on your credit score. So, several applications made in a short period of time will shoot your credit score down. If there're no recently made applications, why wait? Go ahead and get yourself a new card if you need it. A very popular type of credit card on the present day market is a 0% balance transfer card designed for people who want to pay off balances without paying interest on them. So, if you'd like to save on paying off your current credit card, have a look at Discover More Card-Clear. You can transfer your debt onto this credit card and pay no interest at all for as long as 12 month. You will not only save but will also shorten the life of your balance. If the interest rate on your current credit card satisfies you and you just want a new card to obtain more credit and benefits, consider Blue from American Express. 0% APR on purchases and no annual fee put this card among the best offers for good credit customers. If you're short of credit history yet and cannot qualify for the above mentioned credit offers, you can chose to apply for Standard Platinum from Capital One Bank. This credit card favors customers with average credit who are making their way to a good credit history and have no negative credit records in their name. So, make sure your credit is in good standing and feel free to apply for one of these credit cards. |
