Is low APR something you can aim for? - Other Questions


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Credit Card Applications » Questions » User Questions » Other » Is low APR something you can aim for?

Is low APR something you can aim for?

Answered on | Updated on May 14th, 2011
The content is accurate at the time of publication and is subject to change.

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.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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