How to get a lower APR?

I have my first visa credit card. I had taken the plan to pay off in full and has high APR which i had to pay at once only but not monthly. Is it possible for me to ask the company for a lower APR so that my pay off would be cheaper? or i should go with transfer my balance?


I suggest you to your credit card by the due date. Else you have to pay for late fess with more interest. You can't get lower APR unless you had a good credit score with good credit history. These credit companies believe to get more money back better than none. So, Be sure about your payments in time.


As you pay off your bills in full then i think APR doesn't matter. You have to pay interest only on the payment you owe. You must go with the card that provides you stuff not with the one which charges no money and also ask them for sending the dividends that has been built up by you. I suggest you not to close this credit card account and transfer your balance to the other one it will affect your credit limit. And if you don't want to keep this card anymore then just cut your credit card and leave your account open.


The company will not allow you cheaper APR if you have large balance in your account. You can also try another card with low APR after transferring your balance. There are also some credit cards that offer zero or very low APR only for those who transfer balance to their accounts. Afetr the free trial period, you can balance transfer to another credit card with zero APR. Hope it will help you.

How to charge credit card without a credit card machine?

I have no credit card machine. Then how do i charge my credit card?


Hmm, you have to buy a credit card machine before your credit card expires and pay off all your services.


Go to the credit card company and ask them what to do. They will give you right information about it.


I suggest you to go with pay pal. They will take some surcharge and you can do with your credit card services. You must have some people who can give your payments through pay pal and can accept your credit card.


You can get a free credit card machine if you are a retail businessmen. If you are an internet user then you can go with virtual terminal for accepting your credit card online and enjoy the shopping.

---------------------------------------------------------------------

Why these credit card companies firstly offers a pre-approved credit card and later don't accept the application after knowing about the bad credit history?


They never check your credit score while offering you the card. Those are just a mass mailing sent to everyone. But when you apply go for it then they confirm your credit score and other formalities.


I suggest you not to go with these type of offers sent to you by mails. You must directly contact to the bank if you are interested in having a credit card and read their fine print carefully and then apply for it as per their terms and conditions.


These type of credit card offering companies has not your actual credit report. They just came to know from their sources that your score falls under a certain category and they send you the mails. But actually when they got permission to access to your credit limit and when you are not as their specifications then they decline your application of getting the credit card. Be sure in future about your credit score.

---------------------------------------------------------------------

When i am withdrawing some cash from my credit card, will it affects my credit score?


Nope, but while withdrawing cash you have to pay high interest rates approx 12-30%. But while purchasing at the store or shop the interest will be about 8-15%. Choice is yours.


Hmm, it will not affect your credit score unless you don't pay for it back again in time.


Most of the credit card companies charge about 20-25% on cash withdraws. I suggest you to have two credit cards, neither more nor less. If you have good credit ratings then you have to pay with low interest rates near about 8% only. If you got credit card with zero interest rates for up to 16-18 months then you can apply for the new one and transfer your balance and pay no or lowest interest.

---------------------------------------------------------------------