Low interest credit cards from the beginning
First, try phoning your credit card company and simply requesting that they lower your interest rate. According to a national survey, when credit card customers called their credit card company, said other companies had offered them lower interest rates, and told their current company that they were going to switch, 56 percent of the time their current company offered them lower rates as an incentive to stay. Customers lowered their annual interest rate by an average of five to six points, and some companies offered them perks like no interest for half a year. One customer more than halved her exorbitantly high interest rate, an important consideration if you have a credit card for bad credit. If the credit card company refused the customers' requests, the customers suffered no penalties.