Are the lowest intro APR credit card applications the best?

  When you are looking for new credit card applications and offers you are most likely going to see the Low Intro APR or 0% APR for 6 months in big and bold letters.  Before you jump at filling out those credit card applications, take a few minutes and make sure you read all the different benefits those credit cards offer besides the Low intro APR.  Just with the Low Intro APR itself, you have to find out if this goes for all new purchases and balance transfers from your old credit cards or just one or the other. 

  But even if the low APR on these credit card applications covers everything you charge on it for the next 6 months, it might not be better than the regular low interest credit cards that do not have the 0% APR for six months.  How long have you had those other credit cards in your wallet?  I know I have credit cards for over 10 years and more.  So when you look at 6 months of savings, it is really a short period of time.  You really want to go with the one that offers you the greatest savings for the longest periods of time.

  You must look at the credit card applications closer and find out what the regular APR is going to be once the intro period ends.  Regardless of whether or not you get a really great deal on the intro APR you should be applying for the credit cards that have the lowest regular APR.  This is going to save you the most money in the long run.

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