Join me and explore credit card application
If you let your interest compound, you can wind up paying two or three times as much as the original sticker price. The key to disappointing a credit card company and keeping your wallet fat is to get the card with the lowest regular interest rate, then watch your spending as though you were already paying the full regular rate on your purchases. The fine print or the chart on the back of the form will tell you a credit card's real interest rate. Look for the standard cash advance annual percentage rate (APR) and the standard purchase APR. These are the rates you will pay after the introductory period ends.