40 Articles That Explain Credit Card Interest Rates

by Best Credit Cards Staff on June 29, 2010

Carrying a credit card has become almost inevitable in this day an age. What is not inevitable is the interest rate that the consumer has to accept. Whether it’s the first card or a replacement card there are ways to negotiate the best rate. Read beyond the APR and understand how the balance is determined. Is there a grace period and are there any “hidden fees”?

If a current card has become a nightmare there are also ways to minimize the negative impact of debt. Can the rate be negotiated down? Can the debt be settled and will the bank reduce the total balance owed? These questions, and more, are explored in the articles below. Good information is the beginning of determining the best card for your needs. Read and learn about the options available.

1. Compare Cards: This site allows comparison of credit cards to find the best one. Several different search criteria are available.
2. Money Now USA: The ins and outs of credit cards rates and approaches to lower rates on existing credit cards.
3. Credit Cards: Find out what an APR is, how it affects the bill and what hidden APR charges to look out for.
4. American Banking & Market News: Even good customers are in danger of having their credit card interest rates raised dramatically.
5. Think Credit Cards: Benefits of low interest credit cards.
6. Consumer Bad Credit Guide: Getting a credit card with bad credit and how long it takes to repair credit.
7. Credit Cards Co: Learn your credit score and negotiate a better interest rate.
8. Ideas: Do higher credit limits and lower APRs lead to higher debt?
9. Low Cards: Different kinds of APR and how a credit score can impact them.
10. Whale Hook Loans: Why banks charge certain interest rates and what the consumer can do.
11. Saving Advice: Save money by reducing credit card interest rates.
12. Investor Words: Differences between the introductory rate and the long term rate.
13. My Two Dollars: Credit card companies continue to maintain their profits while raising consumer rates and cutting rewards.
14. Economy Watch: Understand how credit history impacts the credit card rate.
15. JSNET: Fees, rates and benefits to examine before getting a credit card.
16. Banking My Way: An improving economy may mean higher interest rates.
17. After Downing Street: Examine legal limits placed on credit card rates.
18. Online Guide to Credit: How to read the fine print in the credit card agreement.
19. Bill Eater: A Comparison chart of interest rates and how they impact the total cost of an item.
20. Mother Jones: Credit card companies are raising rates. Consumers need to be wary.
21. Made Man: Strategies for reducing credit card interest rates.
22. Crown Financial Ministries: Understand fees on credit cards along with grace periods and how the outstanding balance is determined.
23. Married to the Army: Understanding the impact of not paying off your cards every month.
24. Care One Credit: The balance, and how it is calculated is as important as the APR. Find out how to determine which card has the best terms.
25. Amateur Asset Allocator: Find out if you are eligible for interest rate reduction and how to contact your bank to ask for a reduction.
26. ASAP Credit Card: With all the different methods of interest rate calculations it is imperative you know what your credit is costing if you don’t pay off the bill each month.
27. UCAN: Read about the impact of the Credit Card Act of 2009.
28. ProQuest : A guide to the economics behind consumer debt.
29. Debt Consolidation Connection: Examine the benefits of consolidating credit card debt.
30. Credit Card Flyers: When and why to pay off high interest debt.
31. Money Rates: Questions to ask before accepting a credit card offer.
32. 100 Best Credit Card Reports: A low interest rate is not enough; this site explores other considerations when signing up for a credit card.
33. Business and Media: Banks may be raising rates due to tough economic times.
34. Consolidated Credit Counseling: It’s important to understand your APR and know how it affects you and how to watch out for pitfalls.
35. Credit Card Chaser: Comparing and finding the best low interest credit cards.
36. Payments News: Banks are still raising rates in spite of a touch economic climate.
37. Buzzle: Advice on how to look out for a teaser rate and determine the long term impact of an APR.
38. What Really Happened : Watch out for this card with an interest rate of 79.9%.
39. Credit Card Debt Negotiation: A guide to determine if credit card debt negotiation is in your best interest. How to do it and what questions to ask before settling your credit card debt.
40. Wise Bread: What to look out for when interest rates rise and how to protect your credit when rates do rise.