Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
kelmail

1 Contribution
2 People Helped
Help Please! BEST credit card for having a high balance with low interest.
I'm looking for a credit card that offers rewards or cash back, low interest, no annual fee, and at least a 10K limit. I plan on paying for an optional service and I don't want to take out a loan. My score is Excellent (777-800) and I have low debt and a citi preferred and chase freedom credit card already. I can pay cash but I want to continue my good credit since I don't utilize my cards often and the introductory offers wore off. Having low or no interest is most important to me. Thanks!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1884 Contributions
3672 People Helped
Most Helpful Response

Sounds like you need to do some mining.

Helpful to 1 out of 1 people

Credit mining is creating a situation where the creditors are vying for your business.  If your scores are as you say, then you should have no problem securing the best rates and benifits out there. 

Use sites like this one or others around the web that offer credit cards and loans.  Check out the offers, check out the rates and perks spend a few minutes checking out the card offers, even clicking the "apply now" button.   Then click off the site without ever completeing an application. Do this for 3 or 4 card offers and Viola, Within a week written "Pre-approved" offers should be flooding your mail box.  Collect a few and compare rates and benifits and accept the best offer that fits your needs. There are some very nice 0% credit offers right now. 

Good luck

.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.