How can I get a credit card with lower interest?  I  used to have bad credit, but I cleaned it up.?
970486
been there done that. I don't know how legal this is but what the hay.   Anyway, get a credit card from anywhere. Then get another one from anywhere. then get another one from anywhere. The ones advertised in magazines are the easiest. When you have these credit cards, you run them up to a $100 each and make the payments. You do this for three months. Then you look for one of these consolidation offers [usually in your junk mail from any bank] then you consolidate your three cards into one and that will bring down interest dramatically. One word of advice. If you are climbing out of a bad credit situation you have to make the low interest card payments on time and at least two times the minimum payment. You have to do this for one year. been there done that  I now have a 10,000 dollar credit limit. go slow.
713348
Go with a creditcard with low monthly interest rates, I would go with america express, they have low interest rates\n----------------------------------------------------------\nhttp://www.bestcreditrates.net
572239
Go to your local bank and ask for a secured credit card.  They will ask you to put down a deposit - basically, payment in advance.  You will then be allowed "credit" against this amount.  As you make payments over time, you will build up your credit rating until the point where you can get a regular credit card.
403842
Apply for a credit card. \n\nIf you get one, great. If you are declined, you may be able to obtain one by putting money down, usually about $100 or so. This is known as "securing" the credit card. You'll have a low credit limit.\n\nOnce you begin to charge purchases, make sure you can pay the balance in full since interest rates can be quite high. It's much easier if you don't use the card much each month! Your credit will improve the longer you keep your account open and pay at least the minimum each month.\n\nHope that helps :)\n\nAlso, obtain copies of your credit reports from each of the three credit bureaus. They're free once per year. Go to http://www.freecreditreport.com/
458229
Any credit card that has a low FIXED interest rate such as Prime +2.5% and no annual fee. I do not recommend American Express and Discover just because they have limited usage. VISA and MASTERCARD are accepted everywhere in the world and have friendly programs and rules. The best to get a credit card is through a credit union. Moreover, if you are looking to build credit, you have to get a secured credit card/loan and might need to pay a yearly fee but just for 6 months. After that you can apply for any card you want but be conservative. The less cards you have the better your credit will be - providing you have a line open. Hope this suffice.
42721
Getting good credit is not an easy road. Whether you choose to get a Credit Card, A Store Revolving Credit Card, or even purchase a car, you've got to be very very disciplined. \nI suggest never purchasing anything with a credit card that you couldn't with your bank card. At the end of EVERY month, pay off the entire balance.\n\nDo not apply for many credit cards. Find the credit card with the best terms and interest rate, apply once, and watch it carefully. \n\nYou're Credit Score is determined by your credit limit, your credit/debt ratio, length of time of your credit history, payment history, credit inquiries, etc.\n\nI suggest checking your credit report for free. You can check it once per year per reporting agency. I suggest checking one agency every 4 months (=12 months). Checking your own credit report does not hurt your credit score. If you purchase a score with your report, usually they'll give you suggestions to improve your score.
441566
Ya, just call a credit card company. They'll give you credit as long as you're not currently in bankruptcy. You may have a high interest rate and/or a low limit, but it's credit.\n\nhttp://www.creditcards.com/
989780
www.capitalone.com  Look for the credit card that they offer to people to insufficient credit history.\n\nSometimes discover offers cards a little easier.\n\nOr, you can contact your bank and ask them if they offer a secured credit card.  For this, you will have to deposit money in a CD with the bank, and they will issue a card to you with a limit of that amount.
269229
You should absolutely work to establish a good credit rating.  Apply for a small, low interest credit card.  Use it once or twice a month to make small purchases and pay it off in full.  By doing so, you are establishing a credit history to prove you are trustworthy.  Without that history, lenders won't know anything about you and therefore, will not give you money.
1017288
Speaking as a 19 year old who somehow acquired $3000 worth of debt through an American Express card, I might be able to help...\n\nI say shop around for the lowest interest/APR rates. I'm not sure which Visa, AmEx, Mastercard, etc are the lowest, but just be careful with your rates. Try to stay away from credit card agreements where the company can raise your rate at any time, because that will screw you over in the long run.\n\nJust keep in mind that you SHOULD NOT GO CRAZY with a credit card. Its not free money. Think of it as a loan every time you purchase something. ...Sorry if this sounds like a lecture, but like I said before, I learned the hard way :-)
1164438
Stores like Sears or Best Buy offer store credit cards with much less strict credit requirements.  You might try getting a Sear charge card and making a few purchases to establish a credit history.
21534
http://creditcards.com/low-interest.php\n\nhttp://creditcards.com/low-interest-page-2.php\n\nHope this helps.
1158619
Well, it depends. How long have you had your credit card? Have you paid on time? Have you ever maxed it our or gone over your limit? If you have been a good client, they are likely to lower your rate. If you have good credit, you can always check out the hundreds of credit card offers out there and transfer your balance to a zero interest card! Most companies have teaser offers to get you to switch to their card. No interest for 6 months, then 7% thereafer, something to that effect. If you Google 'find the right credit card' you can find the many sites that show you what offers are out there. Remember not to apply for several cards at a time. That can lower your credit score. Make sure you do your homework if you are going to switch and then only apply to that one. Hope this helps!
1137400
from one credit to junkie to what may be another, save yourself! cut up your cards, all but one. if you make minimum payments, a 5000 card turns into a 30 year, almost 25000 debt, a huge profit for the card company. Please don't get more! \nIf you really need more credit, there are numerous places to apply on the Internet. just answer a few surveys and then you get a few free gifts as well as an application. Best of luck to you.
1048373
Yes, you can! \n\nFirst, you need to find a starter card. You can get one for people with 'bad credit' or you can try getting a small one ($200) through Capital One. I started with that, and bought a car around the same time (not with the credit card, of course! :)). The interest on my car is ridiculous, but such is the penalty for not paying my bills before. After you work diligently to pay off your card every month and keep up with your utility bills, it will eventually pay off. I bought my own house (2 years after finally beginning to clean up my credit) and have several cards now. Most of them I don't use, they are just for emergencies. \n\nYou want to make sure that you don't keep maxing out your card and paying it off. I did that with the $200 card, because I would pay bills, then use the bill money to pay that off. I have a steady job, so I knew it wasn't that much of a risk, but if something ever happens, you're screwed. Your best bet is to carry no more than 20% of the limit every month. It looks better on your credit report. \n\nYou can do it ... it just takes hard work and patience. It won't change over night, but after about a year or two of consistent payments, you'll be in a much better position.\n\nGood luck!\n\nEdited to add: One thing that I forgot to mention is to watch the "program fees" etc. With Orchard Bank, for example, you may get a credit line of $300. When you first get the card though, there is already a $92 balance from program fees, signup fees, etc. I was never really okay with that, so I avoided those cards. It's a place to start if you have no other option, but I would go with a secured card before I would go with a card that starts me out with a $92 balance ...
581471
capital one\n\nIf you're paying higher interest on your other debt, then definitly consolidate into a lower rate card.
810407
If you have bad credit get a Eufora Credit Builder Card. \n\nYou can apply here: http://www.goeufora.com/418121496892 \n\nIts $99 for a 24 month agreement for the Elite Level. \n\nIt reports to the credit bureaus that you have an open installment loan and is excellent for your credit. \n\nKeep in mind you can only spend what you load onto it, like a debit card, but it helps your credit!