0When you are carry on a monthly balance, having a low interest rate credit card can make a difference managing your finances because the low rates may assist you in paying down the balance in a more efficient and fast way.

However, before considering applying for a low interest rate credit card you should be aware that it is necessary to have a good credit history before you will qualify. You can get your credit report for free you can find out in advance where your credit history stands. This way you will know if it needs any type of repair before you apply for a low interest rate credit card.

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	CREDIT CARDS BY APR
	0% intro apr 0% interest card 4.99% apr 9.9% apr

	BY INTRODUCTORY PERIOD
	0% apr for 6 months 0% apr 12 months Credit cards 0% apr 9 months 12 months 0% on balance transfers

	FIXED APR CARDS
	0% fixed APR 0%-5% fixed APR 5%-10% fixed APR credit cards Over 10% APR credit cards

	PRIME PLUS APR RATE
	Low APR CitiBank consumer credit cards Low APR Citi business credit cards

	LIBOR PLUS APR RATE
	Low APR Citi consumer credit cards

	CARDS BY ISSUER
	Visa card fixed apr low Visa credit card low apr rates Discover card no apr on new purchases Discover credit card free interest for life Mastercard low apr Chase low interest credit cards Chase 0% APR

	LOW APR CARDS BY KIND
	Low apr business credit card Low apr credit cards Low apr no annual fees credit cards Low apr student credit cards Rewards visa low apr Fixed rate cash reward credit card Low percentage student credit cards

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Upper Saddle River, NJ - January 4, 2006 - We all succumb to the annual ritual of making a bunch of resolutions about how we will change our lives with the start of the New Year: eat better and healthier foods, exercise more, reorganize our rather hectic and stressful lives in order to live longer, and learn to enjoy what we have.

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