The content is accurate at the time of publication and is subject to change.

Cashless shopping has been a fad nowadays. It not only frees you from the hassle of having to bring your money - counting them at the cashier line, counting the change after, and the works - but it also allows you to enjoy almost unlimited shopping. Credit cards offer you much like a buy now pay later scheme and allow you to buy big purchases, even if you are short in money, and then worry about the payment part later on.

But when payment time comes, it is most often hard to pay off all the purchases we had in a month. That is where the big problem comes in. When outstanding balance is accumulated, this could get you into big trouble when you have to pay it, including the interests from your whole purchases. Instead of saving money, there is a whole lot of other expenses you have to pay.

You can avoid this though, by using low interest rate credit cards instead. These types of credit cards are ideal for those who cannot pay monthly credit card bills. Using low interest rate credit cards also means you will not have to pay as much on interests on your outstanding balances than what you pay with the regular credit cards.

This could be extremely helpful when you have a lot of other bills to pay, too, and you are running low on cash for the month. You could pay off part of your credit card bill and not worry so much about the balance.

Getting low interest rate credit cards depends on one's credit score. If you have a good credit score - which means it is high - then you are most likely to be given a low interest rate. But, credit card companies can also be negotiable since they would always want to get more customers to use their cards.

As a customer, you may opt to request for a lower rate from your credit card issuer. There is nothing to lose, nothing to give, and the worst that could ever happen to you would be the issuer denying your request. Chances are very high though and you do not need to have the best credit score to do this. All you have to do is ask.

Whatever type of credit card you want to get - regular ones or low interest rate credit cards - it is always a wise thing to shop around first before finally settling with that card that fits your needs and lifestyle.