Anyone who shops for a credit card wants the lowest interest rates available. Who doesnt want the best deal? For many of us, the magic figure naturally is a zero percent, although we fail to notice the fine print that comes with every approved credit card application.
A zero percent is an excellent rate and you can’t go lower than that. The only catch is that this interest rate isnt fixed and usually lasts from about six months to one year. After that, the interest rates hike up. Once the introductory period is over, you could be paying an interest rate of about 19% or even higher. Definitely not a good deal. So is the low interest rate credit card just a myth?
Who gets it and where?
Actually, many banks offer credit cards at low interest rates. You might need to do a little research and shop around. Your very own bank could be offering it and all you have to do to take advantage of better interest rates is to pick up the phone and give them a call. A short, simple negotiation can lower your interest rate several percentage points.
There are also credit cards that have a low APR, but you’ll have to qualify for them first before your bank...
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