Getting the best credit cards and credit card deals!

Especially when another card type is best for your situation!

This is the biggest mistake most people make is applying for credit cards online with no research into where they are most likely to be approved!

Not only will applying for credit cards make your score drop somewhat, it will go up again fast if you are approved. But if your declined for credit, then your score takes a bigger hit that will recover from, but it takes longer.

Making an application for a credit card account that you are declined for will make your score drop further than a regular inquiry will! I cannot possibly emphasize enough to make your application where you are most likely to be approved!

Of course everyone'as favourite credit cards will be the no annual fee credit cards because they are obviously fee free! If your repairing your credit and applying for the best rate credit cards

tailored specifically to your situation, then look for the best interest rate you can get rather than a fee free card. Why? because you will have a greater chance of approval for a card with an annual fee and the annual fee for most cards is only $39 to $59 and you will make this up quickly with a lower interest rate when the interest applies!

The caveat here is not to become too number bound! Those who get the best credit card deals will be those who work their way up! I'm a testament to this. Remember that I told you I started out with a bad credit credit card from Orchard bank with a 22.9% interest rate and only a $300.00 limit? Now the same company, Orchard bank increased my credit limit to over $1000 and dropped my interest rate to 8.9%! That worked into a Royal Bank Of Scotland credit card with an interest rate of 9.9% and a limit of $5000.00 with 12 months no interest balance transfers in less than 3 years!!! This is why I say, think long term, not short term and apply for credit wisely!

Once you build up credit and get a good credit rating and score, then you can close those accounts with a higher interest rate and annual fee if you like, but try this first.

Call those creditors and tell them you deserve a better interest rate and you want the annual fee removed too. The worst they can say is no and when you have the best credit cards in your pocket, you can say you have other cards and offers for the best credit card deals at lower rates and fees than your currently getting from them and you can prove it! Apply for the Discover® Open Road Card today! link goes direct to application

Wait until you see how fast most issuers will drop your rate to a competitive rate and either lower the annual fee significantly or remove it altogether! I've done this and it works1 If your card issuer balks, then let it go for awhile and try again in about 3 months and keep your balance at 0.

Most will comply when they see your not using it and don't be suprised if they call and ask why your account has seen no activity and tell them why! You will most likely get your way!

The best card deals are most often received this way and if your able to keep your current card issuer, the better. Your credit score is made up of many factors and accounts opened for a significant length of time play a major role in this.

As much as 45% of your score is determined by how long your accounts have been open, so keep those unless the issuer refuses to make you a better deal. If that happens, pay the balance off or transfer it to another card and close the account you no longer want.

When I did this, that was all it took to get my annual fee lowered from $79 to $19 and my interest rate from 19.98% to 8.9%!

Go to the section on how credit scoring works by clicking here if you haven't read this already. If you have, go over it again until you have memorised it and you will be so far ahead of most people out there, the best credit cards and offers will just about fall into your lap! Click here on best credit cards