Secured credit cards, online exploration
If you can, find an offer that waives rollover fees. The very best offers of this kind are the promotional offers that give you an extremely low interest rate on balances added to the card during an initial grace period, and keep the interest rate low for the life of the balance. * Request a lower interest rate from your current credit card issuer. This works best if you have been with the company for at least a year or two, have a good credit history, and have a couple of credit card offers in hand that offer markedly lower interest rates. Tell the customer service representatives that other companies are offering you better deals, and you are considering transferring to them.