What are the best credit card applications for people who carry a balance

  If you are one of the many of us who carries a balance on their credit card accounts each month, then you should be concentrating on the credit card applications that offer the lowest interest rate.  This is a must.  It can be really difficult for you to stay concentrated on the low interest credit card applications as the rewards credit card offers are the ones that get all the hype and advertising.   These credit card offers are perfect for the few people who actually pay there bill off in full each and every month.  But if you don't, you will end up saving more money with low interest rate charge cards than you would benefit from any points system. 

  And if you don't actually use your points fast enough or earn them quick enough many times you will end up losing your points.  A lot of different rewards credit cards have it in the small print of the credit card offer that you will lose a certain amount of points each year if you do not redeem them.  I know I once had a rewards card where I got 1 point for every dollar I spent.  Sounds good right, well I didn't know until after I signed up and got the points catalogue that I needed 100,000 points just for a blender.  A TV was over a million points.  There was no way  I was every going to spend that much money on my account to be able to get anything good.  I was much better off when I switched to a low interest credit card and started saving money each month.  Just the savings in Interest in the first month and I could have gone out and bought a blender from a store if that is what I wanted. 

  Long story short, if you carry a balance on your account from month to month, make sure you apply for the credit card applications that have the lowest interest rate.  And make sure it is not just the Lowest Intro APR.  These rates are great to start with but find out what the rate is going to be after the Intro period ends.  There are plenty of different Low Interest Credit Cards for you to choose from, some of them even have points or rewards as well.  Just compare all these offers and apply for the one that is going to be best for you today. 

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