APPLY FOR 0% APR CREDIT CARDS - U.S. Residents Only

Note: Please don't call me up or send me an sms inquiring about the ad below, it's pure online transaction, you may pay via wire transfer to get your credit card.
You need to click on the links and graphics below (inside the ad) to get to the site if you're disapproved then it's not my problem anymore and don't report me if you got disapproved, it has something to do with your financial history/background.

APPLY FOR 0% APR CREDIT CARDS CREDIT CARD APPLICATIONS from MasterCard, Visa, Discover and American Express. Apply online for credit card. We present cards with instant approval, low interest, balance transfers, credit cards for people with excellent credit, good credit, fair credit, bad credit and no credit history. Order Online Now - APPLY FOR 0% APR CREDIT CARDS



Low Interest Credit Cards – Search to find the low interest credit card that meets your needs. Compare several 0% Intro APR offers including some that last as long as 15 months. All online credit card applications are secure. Compare and apply safely online!
Low APR Credit Cards – Compare 0% Intro Apr credit cards to find the best deal for you. Several credit card offers to choose from. All credit card applications are secure. Apply securely and safely online today!
Cash Rebate Credit Cards – Want cash back rebates on everything you buy? Get a cash back credit card today! Several credit cards available that can earn you up to 5% cash back on everyday purchases. Apply securely online today!
Cash Back Credit Cards – Earn cash back just by using your credit card. Several credit cards to choose from. Earn cash back on groceries, gas, and everything else you buy. Apply securely and safely online today!
Order Online Now - APPLY FOR 0% APR CREDIT CARDS Some articles to teach you about credit cards

 Guide to Balance Transfers
Are you tired of fighting high credit card fees? Why not lower your interest payments by transferring your balance to another card. Balance transfers are one the smartest and easiest ways to reduce credit card costs. Just be sure you understand the terms and conditions of the new card, so you can maximize your savings.
Before you run out and switch credit cards, consider whether you want to keep your current card. If you do, simply ask for a lower interest rate. Tell your credit card company you've found another card with a much lower rate and you'll have to transfer your balance if they can't cut you a deal. However, be prepared to do so if they refuse your request.
Why Use a Balance Transfer?
Balance transfers can provide card holders with a number of advantages. Transferring balances to a lower rate credit card can drastically reduce your interest rate and fees. Credit card companies charge varying interest rates on balance transfers and purchases. The most common rate is 0 percent for six through 12 months.
For example, the Chase Ultimate Rewards MasterCard and Citi Platinum Select MasterCard charge no interest for 12 months on balance transfers and purchases. The Discover Platinum Card and the Hess Visa from Chase drop the introductory rate after eight and six months, respectively.
Some cards link the introductory annual percentage rate (APR) to billing cycles. The GM Card and Fifth Third Bank Cash Rewards MasterCard, respectively, charge 0 percent APR for the first six and four cycles.
Transferring balances can also give you access to more perks. For example, you may be able to get a new card that has no annual fee, a longer payment grace period or cash back on purchases and other rewards. Some cards also offer car rental insurance, identity theft protection programs and money saving discounts.
How to Transfer Balances
Credit card companies commonly use low interest rate balance transfers to attract new customers. There are three main ways to transfer the balance on a card. One way is by simply filling out the paperwork provided by your new card issuer. Or you can contact the credit card company that you want to transfer a balance to and make arrangements for a balance transfer.
You can also shift balances by writing balance transfer or convenience checks. These simple checks look and act like regular checks. You simply write a check for the amount of the balance transfer and send it to the company you want to transfer a balance from. Some checks have an expiration deadline, so make sure you use them within the appropriate time frame. If you don't, you'll be charge the regular interest rate set for your card.
Regardless of which transfer method you use, you can only transfer as much as your credit limit on the card you are transferring allows.
Transaction Cost and Other Fees
Banks generally treat balance transfers like cash advances and have similar transaction fees. There's no fee for balances transferred in response to special offers. But for Citi Platinum Select and many other companies, the transaction fee for balance transfers is 3 percent of the amount of each balance transfer, with a $5 minimum and $50 maximum. Keep in mind that a small amount of funds may not be worth transferring because the transaction fee may outweigh your potential savings.
In addition to standard transaction costs, banks also charge special fees that can take you by surprise. Some of the most common special fees include:

    * Late fees - Some banks wait a few days before assessing a late fee, but many impose it the day after the payment was due. Companies either charge a flat fee, such as $10 or $15, or a percentage, such as 5 percent, of the minimum payment due. To avoid late fees, mail off your payment so it arrives in plenty of time before it's due. If you pay your bill at the bank's branch or ATM, find out how long it will take to process your payment. Sometimes payments made at a branch or ATM aren't credited for a few days.
    * Over-credit-limit fees - Most cards assess a fee if you charge more than your credit limit. These fees are charged each time you go over your limit, so you could be hit with several of them during the same billing period. Banks typically charge $10 or $15 for this fee or up to 5 percent of the amount you're over your limit. These fees are in addition to interest charges.
    * Lost card replacement fees? If your card has been lost or stolen more than once and you need a new one, some companies will charge you for a replacement. These fees are range from $5 to $10. 

Making Payments
After you transfer balances, be sure to make all your payments in full and on time or you'll automatically be hit with higher fees. Generally, there's no grace period for repaying balance transfers, so interest will accumulate immediately. (No interest will actually accumulate if you have an introductory 0 percent APR.)
When making payments, it's important to understand that the payments you make will first be applied to balances with lower or promotional balances and then allocated toward higher APRs. That means you'll be paying down 0 percent balance transfers before you even touch the balance on regular purchases which can be charged at a rate of 9 to 18 percent. As a word of advice, consider using a different card for your regular purchases and pay off the balance each month. Keep your balance transfers restricted to a separate card.
After the Promotional Honeymoon Ends
You need to keep a close eye on the promotional period. As soon as it expires, normal interest rates will apply. The standard variable APR for Citi Platinum purchases (8.99 percent) will be applied to all remaining purchase and balance transfer amounts. Likewise, the standard variable APR for cash advances (19.99 percent) will be applied to all remaining cash advance amounts. If you default on Citi Platinum's card agreement, the company can immediately increase the APR on all balances including any promotional balances to a variable default rate of 28.99 percent.
Your post-introductory APR will depend on your credit history. If this interest rate is significantly higher than the rate on your old card and you have a remaining balance, you'll wind up losing money. Of course, you could always transfer your balance to a new card with a lower promotional rate. Just be careful not to entangle yourself in a vicious cycle that could backfire later.


 Use Your Cash Advances Wisely
Your credit card is a powerful tool for the management of your financial life. It can help you to extend the value of the products and services you need by obtaining them before paying for them. It can reduce the need for cash or check in places far from home, and allow you to conduct personal and professional business by phone, mail or Internet over long distances.
Like all-powerful tools, though, it needs to be used carefully. And that's especially important when using the ultimate power of your credit card: it's ability to give you immediate cash in large amounts. The two most popular ways of obtaining cash from credit cards are through the ATM machine at your local bank, or by filling out and cashing a check-like document that is often attached to your monthly credit card statement. Last year the amount of cash borrowed from just one major credit card company totaled more than 104 billion dollars. That was an eight percent increase over the previous year, and it tells us that credit card users are increasingly seeing the easy use of plastic as a substitute for the discipline of using banks and credit unions for borrowing.
Credit card companies in turn are increasingly willing to loan cash. It can be a very valuable service for their customers. But credit card companies are also increasing the fees and interest charges for cash advance. Your monthly statement gives you some of the fine print on how those charges are billed, but in most cases it doesn't tell you what those charges are. If you don't know it's always a good idea to call the customer service number on your statement and ask. It's no different than shopping for the best terms on a loan among banks and credit unions before signing on the dotted line.
The Cost of Buying Cash
When you use your credit card to buy new shoes or the latest CDs those products are yours to keep. You can use them for years to come and pay for them over a few months if you wish. But when you use your credit card for cash advance to pay for daily necessities like groceries and gasoline y ou will pay much more for that privilege. And you will have to give it all back as quickly as you can.
If you borrow $500 from one of the major credit card companies in the United States at contemporary rates, for example, you will be charged 3% of that amount (or a minimum of $5 for smaller loans) as an upfront transaction fee. You're interest rate (APR) for the loan will be set at 19.9%. If you determine to pay off the loan in four months your costs in fees and interest for the purchase of $500 will be $35.88 or more than 7% of the loan amount. If you pay it off in 8 months the cost will be $53.24 or nearly 11% of the loan amount.
But that's not all. If you read the small print on your statement you will learn that in most cases payments you make to your credit card company will be applied first to lower interest charge purchases before they begin to erase your debt for higher interest borrowing of cash. For example: If your credit card balance of $1000 includes a $500 cash advance and you pay back only $200 per month it will be three months before your payments begin to cover the advance That's three more months that the credit card company can charge you 19.9% interest on your original purchase of cash.
Why does a credit card company with a typical 12% APR charge for goods and services charge nearly 20% plus fees for cash? They say that it is because cash transactions which require delivery of a product by the card company - cost more to process than other purchases, and because frequent users of cash advance are more likely to default in repayment of their loans.
Plan Ahead when You Use Cash Advance, and Increase Your Financial Power
Cash advance can be very useful in many cases, especially those that give you flexibility in managing your day-to-day life. But you have to plan ahead if you are going to use the service. First, be sure you understand the rules and fees. Second, save on interest charges by having a plan in place to repay the money and its additional fees and interest at a definite time in the near future. Credit card companies will be the first to tell you that this is a service to be used only as necessary and with a disciplined schedule for repayment. They know that those borrowers who don't have a plan to repay the cash advance in a timely way are more likely to fail to repay it at all.
How can you use cash advance to enhance your financial health and power? Most credit counselors know that the more discipline you can gain over the ways you earn, spend, invest and save the more you can make your money grow and create the assets you will need as a foundation for life's many pleasures and surprises. Those same counselors will tell you that the best lesson you can learn from the use of cash advance is that if you need to use it often especially to pay for essentials like groceries and gasoline something is wrong in the financial management of your life, and it's time to find a better strategy for earning and spending your money.
When that strategy is working well for you, the next time you go to your local ATM to get cash you will be able to use a debit card, instead of a credit card, and take the money from your own assets rather than borrow it from someone else.

 Identity Theft occurs all the time
"I don't remember charging those items. I've never even been in that store." Maybe you never did charge those goods and services, but someone else did, someone who used your name and personal information to commit fraud. When imposters take your name, Social Security number, credit card number, or some other piece of your personal information for their use, they are committing a crime. Identity theft is the fastest growing financial crime. One of the first things the FBI discovered about the September 11 hijackers was that as many as half a dozen were using credit cards and driver's licenses with identities lifted from stolen or forged passports.
If you care at all about the privacy of your financial information, your credit history, your portfolio, your charge card numbers, you can protect yourself from criminals determined to exploit that information. The theft can be as simple as someone stealing your credit card number and then charging merchandise to your account. The situation can also be as elaborate as a thief using your name, birth date, and Social Security number to take ownership of your credit card and bank accounts, or even set up new ones.
People who place their Social Security and driver's license numbers on their checks are making identity theft fairly easy. With one check, a con artist could know your Social Security, driver's license, and bank account numbers as well as your address, phone number, and perhaps even a sample of your signature.
Types of Identity Theft
Identity fraud can range from passing bad checks and using stolen credit cards to taking over another person's total financial existence. While situations as portrayed in the movie The Net are indeed rare, people do need to be aware that they can easily become a victim. The ease of obtaining Social Security numbers from more than 3 billion credit solicitations a year make identity theft a fairly simple scam. Each day, more than a 1,000 people have their identities stolen by a con artist applying for credit in the victims' name. After obtaining a loan or running up credit card charges, the thief typically disappears never to be seen again, and leaving a ruined credit rating that may take years to correct. Protect Yourself from Identity thiefs
Protect Yourself from Identity thiefs
Banks and other financial institutions work to protect the identities and privacy of their customers. Customers are constantly reminded that the slight inconvenience of being asked for identification, or having an account balance checked, may protect you and others from financial losses.
Efforts to protect yourself from identity fraud may include the following:

    * Shred or burn financial information containing account or Social Security numbers;
    * Use passwords other than maiden names;
    * Don't put your Social Security number on any document unless it is legally required;
    * Check your credit report once or twice a year to make sure it is correct;
    * Have your name removed form mailing lists operated by credit agencies and companies offering credit promotions;
    * If you become a victim, notify the credit card company and other businesses with specific details. Also, file a police report to provide documentation of the scam. 

If your identity has been taken, you're first likely to learn about it when checks start bouncing or a collection agency begins calling. The damage isn't so much in dollars, since the financial institutions are liable for the unauthorized charges. Rather, the fallout may include a checkered credit history, which could prevent you from getting a mortgage or a job not to mention the countless phone calls and piles of paperwork you'll need to go through to correct the situation. Guarding against identity theft is much like locking the door and activating the burglar alarm when you leave your home. By and large, the crime is a low-tech operation, despite well-publicized instances of hackers breaking into websites and stealing millions of credit card numbers. Usually, someone fishes a bank statement or credit card offer out of your trash, or a dishonest employee peeks at your personnel file.
To protect yourself, you may want to sign up for a credit monitoring service. At $40 a year, Credit Watch from Equifax is a bargain. The company scans your credit report every night and sends you an email alerting you to ay activity, such as a new credit card issued in your name or credit check by a car dealership. The price includes six full credit reports a year.
Report Identity Theft
If someone has stolen your identity, the Federal Trade Commission recommends that you take three actions immediately:

    * Contact the fraud departments of each of the three major credit bureaus. Tell them to flag your file with a fraud alert, including a statement that creditors should call you for permission before they open any new accounts in your name.
    * Contact the creditors for any accounts that have been tampered with or opened fraudulently. Ask to speak with someone in the security or fraud department, and follow up in writing.
    * File a police report. Keep a copy in case your creditors need proof of the crime.
    * If, after taking all these steps, you are still having identity problems, stay alert to new instances of identity theft. Notify the company or creditor immediately, and follow up in writing. Also, contact the Privacy Rights Clearinghouse, which provides information on how to network with other identity theft victims. Call 619-298-33396, or visit www.privacyrights.org. 

The U.S. Secret Service has jurisdiction over financial fraud cases. Although the service generally investigates cases where the dollar loss is substantial, your information may provide evidence of a larger pattern of fraud that required its involvement. Contact your local field office.
Finally, protect your identity by giving it a lower profile. For example, remove your name from junk mail and telemarketing lists by going to the Direct Marketing Association's website at www.thedma.org/consumers/privacy.html. Call 888-567-8688 to stop receiving pre-approved credit card offers.

 Get out of Credit Card Debt
Buy now and pay later. It's become the American way. There's no doubt that a credit card can be a powerful and useful tool. However, as more and more Americans discover every year, too much of a good thing can lead to big trouble.
According to CardWeb.com, the average American family owes over $8,000 in credit card debt. Remember, this is an average. For every family that's way below this average, there's another family that's way above the average. Where you fall in relation to this average can help you determine exactly how serious a problem your credit card debt really is.
It's important to recognize that no matter what you do, you're not going to get out of credit card debt over night. It probably took you several years to accumulate the debt you have now, so it's understandably going to take you some time to get this debt under control. The good news is that as soon as you start, you'll begin to see both financial and psychological benefits.
Change your spending habits
The first step in gaining control over your credit card debt is understanding how you use your credit cards. Do you save them for unusual expenses like automobile repairs and medical bills? Or do you routinely find yourself reaching for your credit card to pay for a TV Guide, a bag of Cheese Doodles, and a bottle of shampoo?
If you use your credit cards to pay for simple, everyday items, your debt is sure to creep up. You should make a commitment to reserve your credit cards for significant and/or unexpected expenses.
Stop using all your cards
Once you've established smart usage guidelines for your credit cards, you need to apply those guidelines. In other words, stop using your credit cards. This may seem obvious, but it's the most important step you can take to reduce your credit card debt.
Do you have any cards that are maxed out? Cut them up into little pieces. After all, they're of no real use to you. They only represent temptation every time you get a few dollars paid down.
Each time you look at your credit card statement, you probably grumble over the fact that a huge portion of your minimum payment was applied to interest, reducing your actual balance by only a small amount. The way to combat this effect is to pay more than the minimum amount. Even if you can only pay $10 extra each month, this is an important step, because every extra dollar you pay is applied to your balance. You'll be surprised at how quickly your balance begins to drop.
Transfer balances to Lower-interest credit cards
One popular approach is to transfer your high-interest credit card debt to some lower-interest loan - either a home equity loan or a low-interest card. This can save you a lot in interest, but be careful. This strategy requires quite a bit of discipline.
If, for example, you use a home equity loan to pay off your credit cards, the only thing keeping you from running those credit cards back up is your own will power. If you're careless, you could find yourself in a worse position than you were before - maybe even with your home ownership in jeopardy.
The rise in credit card debt has also given rise to the so-called credit counseling industry. These firms promise to negotiate with your creditors for reduced interest and payments. While some of these firms are better than others, it's important to note that your creditors are not legally required to negotiate with these firms. Most creditors will negotiate because they know the alternative - bankruptcy.
File for Bankruptcy only as a last resort
Bankruptcy should be used only in the most extreme cases. While having your credit card debt completely erased may seem tempting, bankruptcy has several long-term, negative effects. The most obvious is that your credit is essentially ruined for several years, meaning it will be difficult if not impossible to obtain credit even when you really need it.
This may not seem so bad, since your goal is to get out of credit card debt anyway. However, on a more practical level, bankruptcy means having to live completely on an all-cash basis. If the car breaks down, you either pay cash or don't get it fixed. When it's back-to-school time, you either write a check for the kids' new clothes or send them to class in worn-out items from last year.
Once you get your credit card debt under control, it's just as important to keep it under control. The popular thinking is that you should never charge more than you can pay off at the end of the month. This is, of course, easier said than done.
A more practical approach is to impose your own limit on each card, regardless of its actual limit. For example, if your card has a limit of $2,000, you may choose to impose your own limit of $850. That way, you'll always have your credit card debt under control, and you'll have plenty of cushion in case of emergency.


 What Creditors Look For?
The Three Cs. Creditors look for an ability to repay debt and a willingness to do so and sometimes for a little extra security to protect their loans. They speak of the three Cs of credit: capacity, character, and collateral.
Capacity. Can you repay the debt? Creditors ask for employment information: your occupation, how long you have worked, and how much you earn. They also want to know your expenses: how many dependents you have, whether you pay alimony or child support, and the amount of your other obligations.
Character. Will you repay the debt? Creditors will look at your credit history (see section on Credit Histories and Records): how much you owe, how often you borrow, whether you pay bills on time, and whether you live within your means. They also look for signs of stability: how long you've lived at your present address, whether you own or rent your home, and the length of your present employment.
Collateral. Is the creditor fully protected if you fail to repay? Creditors want to know what you may have that could be used to back up or secure your loan and other resources you have for repaying debt other than income, such as savings, investments, or property.
Creditors use different combinations of these facts to reach their decisions. Some set unusually high standards; others simply do not make certain kinds of loans. Creditors also use different rating systems. Some rely strictly on their own instinct and experience. Others use a "credit-scoring" or statistical system to predict whether you're a good credit risk. They assign a certain number of points to each of the various characteristics that have proved to be reliable signs that a borrower will repay. Then they rate you on this scale.
Different creditors may reach different conclusions based on the same set of facts. One may find you an acceptable risk, whereas another may deny you a loan.
Information the Creditor Can't Use
The Equal Credit Opportunity Act does not guarantee that you will get credit. You must still pass the creditors’ tests of creditworthiness. But the creditor must apply these tests fairly and impartially. The act bars discrimination based on age, gender, marital status, race, color, religion, and national origin. The act also bars discrimination because you receive public income, such as veterans benefits, welfare or social security, or because you exercise your rights under federal credit laws, such as filing a billing error notice with a creditor. This protection means that a creditor may not use any of these grounds as a reason to

    * discourage you from applying for a loan
    * refuse you a loan if you qualify
    * lend you money on terms different from those granted another person with similar income, expenses, credit history, and collateral
    * close an existing account because of age, gender, marital status, race, color, religion, national origin, receipt of public income or because you exercise your rights under federal credit laws. 

Although creditors may not discriminate on the basis of national origin, they may consider your immigration status when making a loan decision.
Special Rules
Age. In the past, many older persons have complained about being denied credit because they were over a certain age. Or when they retired, they often found their credit suddenly cut off or reduced. So the law is very specific about how a person's age may be used in credit decisions.
A creditor may ask your age, but if you're old enough to sign a binding contract (usually 18 or 21 years old depending on state law), a creditor may not:

    * turn you down, offer you less credit, or offer you less favorable credit terms because of your age
    * ignore your retirement income in evaluating your application
    * close your credit account or require you to reapply for it because you reach a certain age or retire
    * deny you credit or close your account because credit life insurance or other credit-related insurance is not available to a person of your age. 

Creditors may score your age in a credit-scoring system, but if you are 62 or older you must be given at least as many points for age as any person under 62.
Because individuals’ financial situations can change at different ages, the law lets creditors consider certain information related to age, such as how long until you retire or how long your income will continue. An older applicant might not qualify for a large loan with a very low down payment and a long term, but might qualify for a smaller loan, with a larger down payment, and a shorter term. Remember that although declining income may be a handicap if you are older, you can usually offer a solid credit history to your advantage. The creditor has to consider all the facts and apply the usual standards of creditworthiness to your particular situation.
Public Assistance. You may not be denied credit just because you receive social security or public assistance, such as Temporary Assistance to Needy Families (TANF). But as is the case with age, certain information on this source of income could clearly affect creditworthiness. A creditor may consider such things as how old your dependents are (because you may lose benefits when they reach a certain age) or whether you will continue to meet the eligibility requirements for receiving benefits.
This information helps the creditor determine the likelihood that your public-assistance income will continue.
Housing Loans. The Equal Credit Opportunity Act covers your application for a mortgage or home-improvement loan. The act bars discrimination because of characteristics such as your race, color, gender or because of the race or national origin of the people in the neighborhood where you live or want to buy your home. Creditors may not use any appraisal of the value of the property that considers the race of the people in the neighborhood.
Also, you are entitled to receive a copy of an appraisal report that you paid for in connection with an application for credit, provided you make a written request for the report.
Credit Rules Bookmark

   1. Credit cards are just like a loan-you have to pay what you owe.
   2. Keep track of how much you spend. Remember that incidental and impulse purchases add up fast.
   3. Save your receipts. Compare them with your monthly bill. Promptly report problems to the company that issued the card.
   4. Never lend your card to anyone.
   5. Owing more than you can repay can damage your credit rating. That can make it hard to finance a car, rent an apartment, get insurance-even get a job.
   6. Pay your bill on time, and in full when possible. If you don't, you'll have to pay finance charges on the unpaid balance-and it takes forever to get caught up if you just pay the minimum. 

Federal law limits your liability for unauthorized charges to $50 per card.


 Lowering Your Interest Rates
It's the truth. Everyone loves a bargain. Likewise, nobody likes to find out they've paid too much. It's true when you're buying, and it's true when you're borrowing. Who doesn't want the best interest rate possible?

The problem is that if the interest rate on your credit card seems too high, it won't just lower on its own (unless, of course, you have a variable-rate card and rates in general are dropping). If you're paying too much in interest, you need to take action now.
Ask and You Shall Receive - Sometimes
The popular advice is to call your credit card company and ask for - or maybe even demand - a lower rate. This can actually work, but only if you have some leverage. Otherwise, asking for a rate reduction is just like asking your boss to give you a raise because you're a nice person. Businesses don't willingly part with their money unless there's some compelling business reason to do so.

The typical American receives so many unsolicited credit card offers in the mail, it should be easy to create some leverage. Just go through your junk mail and find an offer that seems particularly attractive. Then ask your current credit card company to match the offer or risk losing your business. Sounds easy, doesn't it?

Before you dial the phone, consider your record with your current credit card company. Are your payments frequently late? Is your balance over the limit more often than not? If your track record is less than stellar, your demands for a lower interest rate may be met with some well wishing and a couple of under-the-breath chuckles. Certainly you have nothing to lose by asking - except maybe a little dignity.
A Change Can Do You Good
Some credit card offers are just so good that your current credit card company may not be able to beat the offer, no matter how amazing your record. If that's the case, you may want to consider moving your balance over to a new card.

There are a couple areas of caution in going this route. First, introductory rates are just that: introductory. Make sure you're aware of the duration of the introductory period and what the rate will be afterward. Measure that against your current card's best offer and the difference may not be as significant as you first thought.

Second, if you do obtain that new card, make sure you close the account on the old card. The best intentions can be fouled by the temptation of having two cards at your disposal. The low rate on the new card won't help much if you run the balance back up on your old card. Being over extended is much worse for your financial picture than too a high a rate on your credit card.
Store Cards Are Not Your Friend
If you have credit cards at your favorite department stores, you should stop worrying about the rate on your VISA or MasterCard and take a look at these. Rates on these are typically in the 18-22 percent range and can even approach the 30-percent mark, no matter how sparkling your credit. And bluntly stated, the issuers of these cards won't negotiate a lower rate.

The first step in getting this interest under control is to stop using your stores cards. Use your lower-rate major card instead. Don't trust your will power, either. Cut those cards up now.

Next, if you have any room on one of your major cards, consider getting a cash advance to pay off -or at least pay down - the balances on your store cards. Be careful, though. Cash advances usually carry extra fees. Make sure the interest you save from such a move makes these extra fees worthwhile. And of course, once you have those store-card balances paid off, close the accounts.
In Conclusion
There's no question that consumer lending is a highly competitive arena. And as you learned in high school consumer education, when competition is high, the consumer wins. Don't just stand by and watch your money thrown away on rates that are too high. If you think you're paying more than you should, take charge (pun intended) of the situation and get those rates lowered.

Note: Please don't call me up or send me an sms inquiring about the ad above, it's an online transaction, you may pay via wire transfer to get your credit card.