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Well, you will definitely not want to have a credit card with the 30% APR, and such cards do exist. The APR of 24% is also quite high, but it is common for credit cards that are offered to people with bad credit. However, it is possible to avoid interest payments on purchases by paying of the entire card balance each month by the due date. As a rule, you are given 21-25 days (a grace period) to pay off the card's balance. So, you may have a credit card with high interest but do not pay it at all. Just remember that it counts only for purchase transactions. Cash advances and balance transfers do not have the grace period.