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I certainly cant blame you if you express disbelief and outright doubt when you read the words low APR credit card. Thats like an oxymoron thats in no way going to come true, isnt it? When did a credit card ever have low APR? But I assure you, there is such a thing and even though its as challenging to believe as when I inform you that aliens do exist, give this post a likelihood and read on.

For sure, youve seen, heard and read thousands of ads about low APR credit cards from the Television, radio, newspapers and the Net but you basically tune them out due to the fact you assume these credit card organizations are just pulling your leg.

Properly, I wont lie and say that all credit card firms are straightforward. Theyre not all sincere. But there are still credit card firms who do mean what they say, even when it comes to low APR or annual percentage prices and to support you determine whos getting correct and whos becoming false, here are a few ideas.

If youre angling for a credit card with a zero percent (%) APR intro prices, you need to make positive that your credit ratings are excellent or at least more than excellent. If you dont know your credit ratings, all you have to do is ask and spend for a copy of your credit report from any of the key credit bureaus in the nation  Equifax, TransUnion or Experian.

If your FICO scores are above 650 then thats excellent because youre certain to qualify for a zero percent intro APR credit card. For individuals with FICO scores amongst 550 and 650, its touch and go so better examine with a credit card representative 1st and explain to him if you need to submit a lot more documents to support you qualify for a credit card with % APR intro prices.

Beware, nevertheless, if you have a FICO score below 550 and you nevertheless truly managed to discover a credit card company who assures you that youre certified for a % APR intro rate credit card. Somethings absolutely fishy going on.

If you uncover oneself in this sort of scenario, I advise you to refuse that offer politely then merely go via the required methods to repair poor credit. When your credit reputation is sufficiently repaired, just re-apply for a % APR intro rate credit card and just possibly, your luck could have lastly modified. [http://www.paymentsavvy.com/travel-merchant-account check out travel merchant accounts]