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| Your Personal Finance Magazine | Finances ~ Banking ~ Investing ~ Financing ~ Credit Cards ~ Insurance | |
| You are here: Home: Credit Cards: Lower credit card interest rate | Thursday ~ March 27 ~ 2025 |  |
| Category: Credit Cards |
Lower credit card interest rateThe lower your interest rate the lower your monthly payments ... |
Your credit score determines your interest rate. You credit score is like your credit report card. It lists all of your loans and lines of credit, and your payment history with each loan. Missed payments and high balances make your credit rating go down, while low balances and on time payments help it go up. What can I do to get a lower interest rate? Keeping balances on your existing loans low, and always making your payments on time help make your credit score go up. The higher your credit score, the more loans you will be eligible for, and the lower the interest rate on those loans will be. Keeping low balances will make you an attractive customer for credit card companies, in order to get your business they will offer you the lowest interest rates they can. Where can I get the lowest interest rates? Some of the lowest interest rates tend to come directly from banks. If you have an account at your local credit union or bank check with them and see what their current rate would be for a credit card. There are also several credit card companies that will offer low interest credit cards, or even zero interest credit cards to qualifying recipients. Read through the credit card ads you get in the mail, or check online and see what kind of offers are out there. There are plenty of great credit card deals out there if you can find them. (don) |
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