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Today applying for a card is as easy as just clicking on a button ‘apply’. On the other hand, getting approved for a credit card is not that simple. Credit card issuers review different criteria when they decide whether you qualify for a card. And in this situation, you are left with a choice – either you leave it up to fate, or take everything in your own hands and try to influence your bank’s decision. And here we are to advise you on these issues. So, what do you need to improve the... Continue reading

Credit cards are lines of credit. They can be used to make purchases, pay for services, make balance transfers and cash advances. You are required to pay back the loan amount in the future, but meanwhile you can make at least minimum payments every month before the due date. When you carry a balance, interest charges apply, and if you want to avoid interest payments, you should pay off the card balance each month by the due date. When you use a... Continue reading

Choosing a credit card is true art - and at the same time it's a piece of cake. To decide which credit card to apply for, you need some analytical skills, some calculations and some simplest input data to perform the analysis. The best thing here - it's actually much easier than it sounds, you just need to follow two simple steps. 1) Evaluate your credit score This is crucial for a start, as it lets you determine which credit cards you are... Continue reading

Yes. These days most credit card issuers make their credit card products available for online application. Moreover, it is convenient and safe to apply for a credit card online. Banks and credit card issuers do everything to ensure their application forms are absolutely secure. Today there are a lot services, like CreditLand, where credit cards from different U.S. banks are gathered together. So, you don’t have to visit different banks to review and compare credit card products. To... Continue reading

You don't have to leave the comfort of your home to apply for a credit card nowadays. Actually, you can do it via your smartphone while heading to work or strolling in a park. All you need to apply is your device (smartphone or laptop), Internet connection, and a good credit card comparison website, like Here, at, you can apply for a credit card online. You can find a card... Continue reading

Today most of the credit card offers are available for online application, which makes it much easier to apply for a credit card. You don’t have to leave your home. You just need a computer (or a smartphone) connected to the Internet and your personal information to apply online. Continue reading

I’ll give you a warning straight away: there’s no direct answer. In fact, here’s a spoiler: as many as you can manage. However, if you want the ins and outs of estimating the right number, let’s delve into the depth of credit card management. Continue reading

Credit cards are lines of credit. They can be used to make purchases, pay for services, make balance transfers and cash advances. You are required to pay back the loan amount in the future, but meanwhile you can make at least minimum payments every month before the due date. Continue reading

Store credit cards are credit accounts that are offered by retailers together with credit card issuing companies. Their usage is usually limited to the issuing store. That means you won’t be able to use store cards anywhere outside the store. Continue reading

APR, or an annual percentage rate is, basically, the interest that you pay for borrowing money. You can find your APR in credit card terms. Usually APR is the greater the worse your credit history is. For example, for bad credit APRs tend to be around 25%, but for good or excellent credit they can come down to 12%. Continue reading

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Save on Interest Charges with Low APR Credit Cards

June 18, 2015