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"Glass of wine with your meal, ma'am?" - mmm if only I hadn't cut up my credit card (you know - that magical sliver of plastic I still have nightmares about). Airliners aren't the only places having access to a 'major credit or debit card' is essential. Try shopping online, buying tickets, paying utility bills, getting a payday loan or simply renting a DVD - nowadays all of these can require credit card details in order to purchase goods and services.

For those hit by job-loss or mounting bills and without a credit / debit card anymore - sorry, next customer please! This site contains information on instant approval pre-pay credit cards, how to consolidate your credit cards, getting a free credit check, plus how to fix bad credit and consolidate debt. OffersOnCredit.com bookmark now!

Finding the APR

In order to find the APR among all of the promotional information that generally accompanies credit card flyers, mailings, and websites, it's important to know where to look. If you're evaluating credit cards online, you should be able to find a link that will take you to a separate page that contains financial disclosure information and a chart that lists the APR along with other fees and charges that might accompany your card. If you are looking at a mailing sent by the card company, there should be a separate page (or possibly the back of a page) that contains the same information and chart.

Promotional Rates

Most promotional rates only last for a few months, generally six, but that means that there are six months during which you're only paying a very small interest rate. This can be especially useful if you're transferring balances from other cards or using the new credit cards to pay off older debts. It's important to make sure that the rate which the card will revert to after the promotion is something that you are willing to pay; however, you may end up with a much higher rate than you were originally seeking.

Comparing Credit Card Offers

When comparing credit card interest rates, you should compare the APR of each card that you're considering. Look for any processing or activation fees that may be charged, and avoid them if possible; if not, factor them into your considerations. You are looking for the card that has the lowest APR and that has lower fees than the other cards or if possible that has no fees at all. Do not ignore promotional rates. If you can find a card with promotional rates that also has a lower APR than some of your other options then you have found a card that will meet your financial needs.

Applying for Credit Cards

You no longer have to wait for the mail carrier to bring you that envelope that reads "Apply Now." Although, your mailbox is probably inundated with many credit card offers already. If you go online to apply for credit cards you will find it easy to compare cards, get the best rates and so forth. It is important that you settle on a single company to apply for a credit card. If you apply for several credit cards online then the creditors will review your credit report, which affects your credit rating. Each time a creditor reviews your report it takes away points. Therefore, only apply for the low rate, no fees cards that suit your need and a single creditor. Source: Articlesbase

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