what credit card in toronto offers the lowest interest rate?
441473
If it was only that easy! Looking simply at the interest rate is not the only factor in making sure you get the card that is right for you.\n\nI would recommend you visit the Financial Consumer Agency of Canada's web site. It is listed below. It contains a wealth of information for consumers including a great Credit Card Interactive Tool. The tool tries to list cards which meet your specific needs. It gives a very good comparison at the end.
66979
To me, all the points and miles business is a hook to lure you into buying and paying for something else or buying something you do not need or weant.  I would look for the lowest possible rate, no annual fee, best grace period, lowest default rates, and a card that has a customer service department based in the US that  speaks English.  I have actually cancelled cards because their customer service centers were in India or Panama and could not understand a word they were saying.  Also, check to see that the interest rate is not computed over TWO billing periods (this can cause you to incur a finance charge even if your balance is zero) Bear in mind that no matter what the terms are you can get, these credit card agreements are one-sided affairs that the card issuer can change at the drop of a hat. So you might think you have one deal one minute and turn around and BAM! all of a sudden the rate is 42%.
18884
There is not one who is actually better. i would stay away from American Express, They have lousy customer service and they hardly ever work with someone to lower interest rates.  On that note, Visa and mastercard are trademarks. It depends on the bank that they are issued from. Capitol One seems to be the front runner now, they have low interest rates and they do not charge outrageous late fees, they have a 10 day grace period before any fee is assessed. I hope that helps. I went by my own personal experiences.
466957
Vanguard will give you the lowest fees.\n\nSchwab will probably give you the best service.
974220
Try a local credit union or bank.  Open an account with them and stay in good standing for a time.  Then get a credit card with them.  The interest rate will be much lower and there are usually no application fees, etc. that other companies try to rip you off with.\n\nI gave this advice to my daughter who had no credit rating yet.  She has a card from her own credit union now and is not being ripped off. \n\nBest Wishes,\nSue
1158176
Always Always Always pay more maybe 1 1/2 times or double. If you just pay the minimum about 60-80% of that is interest and doesn't even make a dent in the balance. \n\nCreditors (Mortgage/Car Companies/Other Credit Cards, etc.) look at your balance compared to your available credit. It's a good rule of thumb to have your balance under 1/2 of what your limit might be. For example if you have a $5,000 limit don't have more than $2,500 charged on the card at any one time. And of course less is better.\n\nThis really really helps your FICO score.
120703
I can list some,\n Commerce Bank credit card, Chase Bank credit card,Citi Platinum etc.Check creditcards.com and can find a bunch of deals.
976872
I got one from Orchard Bank. I think they'll give one to anybody.  My credit limit is only  $300.\n\nBut do you really need a credit card?  Why don't you just work towards paying off the debt you have?
69083
try Orchard Bank (www.orchardbank.com). They have a pretty good card and there's no annual fee. Watch out for cards that say unsecured and then hit you for a 'participation fee' 'set up fee' 'annual fee', etc, to where your first 300.00 is eaten up in fees. \nYou'll probably end up paying a higher interest rate, but make your payments on time and you should be able to qualify for a better card in a year or so.
960724
NONE. They are very very very very bad. The interest rates are about 250% to 500% or more. Do not do this.
581227
www.scotiabank.com\n\nor \n\nwww.royalbank.com
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!
842242
Macys is a high-interest card. Get a low-interest credit card !
354547
There is a lower rate available for accepting government cards  - like a full 1% lower. My family works in construction and we set it up last year. E-mail me if you want contact info.
21534
http://creditcards.com/low-interest.php\n\nhttp://creditcards.com/low-interest-page-2.php\n\nHope this helps.
185778
if you are able to get a credit card from another credit card company with the promotion of transferring balance with low rate or 3.99% or 0% (promotion usually end in 6 months), then you can cut your interest at least 6 months. Also, if you have line of equity and you can use that to cover your credit card balance instead (assume you don't have more bills from credit card company). Line of equity interest usually lower than credit card interest a lot. However, if you cannot get either of the suggestion works for you, then you're better not to use that credit card again until you pay it off. You have to pay it more efficiently, like to pay triple of the minimum amount, or lump sum payment if you can to cut back the principle you own.
862347
Find a different card that offers a lower interest rate and transfer the balance to that one.\n\nCoach