If your credit is less than perfect, you may feel that you are not eligible for low APR credit cards. It's not a surprise that applicants with average credit are expected to pay higher interest rates than borrowers with good credit history. Depending on the problem that damaged your credit score, it may be the truth. However, don't get disappointed. There are low APR credit cards that require only an average credit to qualify for. Knowing which cards, where to apply and how to highlight the positive sides of your application is the key to get a profitable plastic.

Most people with average credit are usually able to pay their credit bills on time. However, they may have a bruise or two on their credit report due to a life changing accident or an unexpected event. If you have had difficulty keeping up with your bills, you can rest assured that you are not alone. Many people run into trouble or a shortage of cash from time to time and become unable to make their payments in full and on time.

However, having an average credit does not necessarily mean that you are not able to qualify for a low APR credit card. Credit companies take into consideration more than just your credit score when deciding whether to give you a credit card or not. The important thing to remember is not to apply for every plastic you like - multiple denied credit card applications can lower your credit score. Make a thorough research beforehand. You need to apply for the credit cards that are specially designed for people with a less than perfect credit history. It will limit the number of credit inquiries on your credit report.

The best place to get a low interest credit card is the bank that offers the plastics. However, surfing through their official sites, choosing appropriate cards among dozens of various offers, writing down main features and comparing them is a tiresome and time-consuming process. It is much more convenient to apply for a credit card online on credit card websites which carry a large selection of credit cards from various banks. So just open Average Credit page, compare APRs and choose the best offer that suits your requirements. For example, you can apply for a Platinum card from Capital One - it comes with 0% intro APR for 6 months and 6.9% APR afterwards.

Details on your application matter the most whether you will be given a credit card or not. Give full and correct information. If you have worked 2 years and ten months, put the whole working period, not just 2 years. If you are asked to list your checking accounts and your savings accounts, write both because most people only list their checking ones.

Finally, pay a close attention to your credit report before you apply. Credit companies are looking for people with a positive record of making payments and the capacity to pay the debt back. For example, there are two credit card applicants: the first one has 740 credit score and a lot of debt and the second one has a 640 credit score but very little debt. The second applicant would be the more preferred client for many banks.