Home | Best Credit Card Offers | Contact Us

Credit Card Applicationss
Compare The Best Credit Card Offers - Apply via Online Credit Card Applications

INSTANT CREDIT CARDS

0% APR CREDIT CARDS

0% APR BALANCE TRANSFERS

CASH BACK CREDIT CARDS

REWARD CREDIT CARDS

LOW APR CREDIT CARDS

CASH ADVANCE CARDS

AIRLINE CREDIT CARDS

GAS CREDIT CARDS

BUSINESS CREDIT CARDS

STUDENT CREDIT CARDS

BAD CREDIT CREDIT CARDS

PREPAID CREDIT CARDS

CHARGE CARDS

NO ANNUAL FEE

FOR AVERAGE CREDIT

CANADIAN CREDIT CARDS

ONLINE BANKING

BEST CREDIT CARD DEALS

CREDIT SCORES/REPORTS

Information about Online Credit Card Applications
The Best Credit Card Company Section

VISA

MASTERCARD

DISCOVER

AMERICAN EXPRESS

More of the Best Credit Card Companies

CHASE

AMERICAN EXPRESS

DISCOVER

CITI

CAPITAL ONE

 

U R @: Education Center : The Credit Crunch : Interest Rate Increased? Act Quickly to Save


INTEREST RATE INCREASED? ACT QUICKLY TO SAVE

Recently, we've been getting downright shocking emails from consumers who are essentially being extorted by their credit card companies.  Although every situation is not exactly the same, the basic ploy is similar:   a letter arrives in the mail informing you that you can either close your credit card account or pay double, sometimes triple your current interest rate. 

Ultimately, consumers who do not have the cash on hand to pay off their balances are forced to close their accounts.  Otherwise, they would end up paying more than $100 in additional interest for every $1,000 in debt they have.  Unfortunately, closing a credit card account can wreak havoc on a person's credit score, a problem which makes it difficult to get more credit in the future.

While consumer complaints we've recieved indicate that the credit card companies pulling these tricks are unwilling to change their minds, there are steps consumers can take to gain additional credit and protect their credit scores.  However, these steps must be taken quickly.

The first step is to apply for a new credit card as quickly as possible.  It can take anywhere from a few days to a few weeks for your credit report to update.  Thus, if you apply for a new credit card right away, you have a better chance of getting approved, as your credit score will still be good.

The second step is to vigilantly monitor your credit score.  There are a number of free services with one month trials available.  If you cancel your trial before you are charged, you can get a few months of free credit monitoring by moving from one company to another.  You can compare these deals in the free credit report section of Smart Credit Choices.

Below, you can compare credit cards that offer a 0% interest rate on balance transfers and purchases and apply online for approval.  With a new 0% credit card, you can not only increase your available credit, but also save money on interest by taking advantage of balance transfers.

CITI® PLATINUM SELECT® MASTERCARD®

  • 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
  • Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee

Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Needed

0% for 12 Months*
0% for 18 Months*
11.99-19.99% Variable*
None
Good

 

DISCOVER® MORE CARD

  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • No Annual Fee

Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Needed

0% for 6 Months*
0% for 15 Months*
11.99% - 20.99% (Variable)*
None
Good

ORCHARD BANK CLASSIC MASTERCARDS

  • An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages to remind you of your upcoming payment due date with online enrollment
  • On-call customer service representatives to assist you with questions or concerns


Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Needed

N/A*
N/A*
7.90% - 28.90% *
See Terms* *
Bad

Compare Additional 0% APR Credit Card Offers and Apply Online

      Get Your Credit Report and Scores for Free

**All information is presented as is and without warranty for informational purposes only.  Please see our disclaimer for complete terms and conditions.


Read more related articles: The Credit Crunch

 

BEST CREDIT CARD OFFERS: Best Credit Cards | Best Reward Credit Cards | Visa Credit Card Offers | 0% Balance Transfers |Best Credit Card Offers | Compare Credit Cards | Credit Card Applications | No Balance Transfer Fees | Free Credit Scores | Education Center | Credit Card Blog | About Us | Privacy Policy | Terms and Conditions/Disclosure Policy | Site Map | Home

*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.
© 2006-2010 SmartCreditChoices.com. All rights reserved.