What is a good Credit Card APR rate??
539128
I got a 7.49% APR from Chase!
140507
Advanta Makes a good card, especially for business.  They have a fixed rate of 7.99.
1164633
It all depends on your score, but give a try to Washington Mutual, Capital One or Orchard Bank. All recently gave me a 0% APR for 12 months. With Washington Mutual it helps if you have a checking/savings account with them, since then you can pay the stuff immediately online.
287928
The bottom line is you need to know some terms before agreeing to either the credit or debit card. You should know as a minimum: \n\nCredit Cards\n1)the annual percentage rate(apr) _ The annual percentage rate--APR--is the way of stating the interest rate you will pay if you carry over a balance, take out a cash advance, or transfer a balance from another card. The APR states the interest rate as a yearly rate. )\n\n2)grace period to pay the full balance without being charged interest(The grace period is the number of days you have to pay your bill in full without triggering a finance charge. For example, the credit card company may say that you have “25 days from the statement date, provided you paid your previous balance in full by the due date.” The statement date is given on the bill. )\n\n3)if there are any fees(Most credit cards charge fees under certain circumstances eg annual fee, cash advance fee))\n\n4)how finance charges are calculated (The finance charge is the dollar amount you pay to use credit. The amount depends in part on your outstanding balance and the APR. )\n\n5)if there are any transaction charges for such things as balance transfer, late payments, cash advance, going over your limit, etc. \n\n6) Credit limit (The credit limit is the maximum total amount--for purchases, cash advances, balance transfers, fees, and finance charges-you may charge on your credit card. If you go over this limit, you may have to pay an “over-the-credit-limit fee.")\n\n\nDebit Cards\nWhen you pay with a debit card, the money is automatically deducted from your checking account. \nMany people prefer debit cards over checks for two reasons:\n\n-You don't have to carry your checkbook and present identification, but are still able to make purchases directly from your checking account. \n-You pay your bills immediately, unlike when you use a credit card and get the bill later.
510411
It's definitely too good to be true. It's probably spam. My interest rate is 6.7 percent.  I thought that was good.  Be very careful to read the fine print on that loan application...)(
913869
As long as there is no "annual fee" you wont pay anything unless you use it.\n\nThe APR stands for annual percentage rate, which is the interest they will charge you on purchases if you dont pay them off in one billing cycle.\n\nMinimum finance charge means that if you carry a balance past one billing cycle they will at least charge you $1 in interest, even if the interest would only mathematically equal 79 cents.\n\nsomtimes these types of cards are good because you get advance notice of sales and extra coupons.\n\nbut they are also very tempting to use when you really cannot afford your purchase.\n\nbe careful, and be informed!
560060
Try first permier bank. They offer credit cards to every one. High APR though. However you can also take a secure credit card i.e. you deposit 2000$ in the bank and they give u 2000$ credit limit. Ones u have this for a few months then you will get a good credit and you can get other cards.
914012
Having a good credit score does not mean that you will get a good intrest rate. Other factors apply...income, work history, debt-to-income ratio, and what bank is doing the financing. You can expect anything from 9% to 15%. The term is usually fixed at 60 months, although I would opt for a lesser term if you can afford the payments. That will usually lower the percentage rate and will save you lots of money. On a 5 year loan at 9%, the payment for $20,000 is $415.17 and at 12% the payment is $444.89
192922
You need to check the INTEREST RATE being offered.A lot of companies target customers who have a bad credit history offering them a guaranreed acceptance with no credit check with stinging interest covering their backs.An average interest rate is around 14% the higher extortionate rates of up to 35%
113927
Not really.  Some lenders (like the one I work for) look for a minimum of 640, others 620. You are right on the borderline.  Anything from 640-699 is ok and 700 or above is considered very good and will likely get you better rates.  I would find out why you are a 630 (delinquencies reporting?  overextended credit cards?  a lot of new debt?) and work on correcting those issues.  Good luck!
1130502
Check on www.bankrate.com for interest rates.  It's always good to save money!
18471
They vary but are usually higher than the first. I'd say somewhere around 10% to 12% is a good ballpark. Of course credit history has something to do with this as well.
276145
Apply to different credit cards but don't overdo it.  3-5 should be ok.  Make sure you do not send a late payment, that hurts your credit.  Try to pay more than just the minimum payment.  Don't max the credit cards either.  That won't help your credit.
520035
Yeah, if your card uses the Cash Advance option.  Just watch out b/c the interest rate on that is a lot higher than your APR rate.
763474
they have cards especially for students, I used to work for a company that processed credit card apps over the phone.\n\nkeep applying, you will find one make sure you find out what the apr is, annual fee and possible participation fee.  \n\nif you cant get a good apr I think the highest you should go is 9% then get one for now to build your credit it may not be great but if you pay it well you can get a better one in the future.\n\nI had bad credit then paid alot of bills off. i finally could get approved with first premier bank.\n\n9% fixed apr, but lot of yearly fees.  I am going to get a better one in a couple of years when this one looks good. \n\nThats how credit works!
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.
223275
If your credit is already bad, it's good.\n\nIf your credit is good, then this is a bad % rate.\n\nGo for one that 0% interest for a year and don't charge more than you can payback in that time.  Don't pay for a card with an annual fee (there's too many out there with no annual fee).