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Is low APR something you can aim for?

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People that want to go in for a low APR credit card are not quite sure whether this is the kind of credit card that they would want to go in for. After all, considering the fact that you might actually end up not getting approved for this credit card, it is safe to say that you would want to be cautious about applying for it. As many of you might know, being disapproved for a credit card could really be a big problem down the line. This will reflect on your credit score and you might end up having a lot of problems to deal with.

Hence, a couple of simple things could help alleviate all of these issues. For starters, make sure that you are able to apply only for credit cards that will be approved for your credit score. This is a very basic requirement that you would want to look into. In fact, if you want low APR, you should start off by looking at what options you might have for your credit score. From here, you might be able to better determine whether or not this is something that you would want to go in for.

Next, try to stick to the financial institution or the bank that you have been loyal to all these years. This too is another important thing to watch out for, as you would ideally want to get approved upon applying for the credit card. Many of the different banks out there come with low APR rates, which mean that you should have no difficulty in getting the credit card. Moreover, if you have been a good customer, you should be able to get the credit cards right away as well.

Finally, you might be interested to know that low APR is something that most credit card companies will try to provide for you, especially if you threaten to close the card and go for a competitor’s option instead. In this manner, you can also enjoy these credit cards and ensure that you are never really made to pay more than you were supposed to. In most cases, getting such a credit card is not really that difficult and something that you can obtain if you simply work a little on it. Therefore, don’t be dissuaded from trying and be sure that you do work on obtaining the credit card from start to finish. In time, you should get what you have been working on.

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Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.
For Excellent/Good Credit
1% cash back on select purchases, terms apply
For Fair Credit
Guaranteed $500 Unsecured Credit Limit
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