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Carrying a low APR credit card in your wallet can bring you peace of mind because it helps you steer clear of debts that incur high interest rates. However, getting this card from the credit card lenders is a task that is next to impossible. Credit card companies are willing to offer these cards only to customers who have an excellent credit history. Unfortunately though, not a lot of people fall under this category. However, the good news is that you can better your credit history with a few simple tips in mind and increase your credit score in order to get that ever elusive low APR credit cards. It is important to remember that it is not possible to repair your credit history overnight. You should be willing to work hard for a few months to improve your credit scores to gain eligibility for low APR cards.

First of all, it is important that you request for a credit report from either one or all three credit bureaus and take a look at your current standing. This will help you realize the various loans and debts that you have to resolve and the factors that are keeping your credit score down. Based on this, you can create a plan that can help you improve your credit history.

When you set out to improve your credit history in order to get a low APR card, it is important to ensure that you pay all your balances on time each month. Irrespective of whether it is your utility bills, credit card bills or loans, it is imperative that you make your monthly payments on time and do not default at all. This will definitely help improve your credit score.

If you have a lot of debts, consider applying for a debt consolidation loan or balance transfer, so you can bring all the debts under a single umbrella and pay them off sooner rather than later. Not only will such deals help you pay off your debts faster, but will also reduce the overall interest that you need to pay, thus saving you a significant amount of money.

Finally, if you are keen on getting a low APR credit card in a few months, then it is imperative that you stay away from applying for other credit cards. Applying for a number of credit cards will affect your credit score negatively which will ruin your chances of getting the card with low interest rates.